vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not legally responsible for this account and do not owe LVNV any money. I received a dismissal with prejudice in the XXXX County Magistrate Court in reference to this matter that all issues are settled between myself and LVNV. This was filed with the court on XX/XX/2021. On XX/XX/XXXX, LVNV reported to all 3 credit bureaus that this was a past due collection obligation with a balance, which is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a fictitious email about my PayPal account sending money for an unauthorized phone purchase. The email and phone number for PayPal is not a legitimate number. I have heard of others in my area who have fallen victim to this scam. 
This is not through PayPal at all it is not affiliated with PayPal it is someone using PayPals registered trademark and name to scam people with a fake purchase. When you call the number associated to complain that you didnt authorize the purchase, they want you to send them cash cards or gift cards to Verify your identity so they can clear the supposed purchase. Additionally the email from ( XXXX XXXX at XXXX ) is probably fake or hacked by the scammer. Hope you can track this liquid waste and burn them til they turn into methane!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I bought a house in XXXX XXXX with a mortgage {$320000.00} from the quicken loan company. The Rocket Mortgage is collecting money debts on behalf of the quicken loan. At the very begging of the Pandemic my wife lost the job. Then I apply for the forbearance plan and the Rocket Mortgage has approved and it has been extended up to XX/XX/XXXX of this year. 

On XX/XX/XXXX I called Rocket mortgage and ask regarding some questions regarding my payments, because my total due amount is {$34000.00}. I heard about a loan modification and I asked some questions regarding that loan modification. After couple of minutes he said that I have been approved for loan modification and he asked that can you pay three instalment {$1800.00} for three months and there after they can give a permanent modification. My English language is not good understanding of spoken language is poor. I thought about that and the amount that I need to pay less than {$160.00} amount for the modification and I consent to schedule payments. However, they didn't mention that how many instalments I need to pay. I thought that the instalments amounts are XXXX as original mortgage agreement. Thereafter I received a letter yesterday indicating that the total instalments amount are XXXX. My wife didn't know anything about that and he firstly noticed that the instalments amounts through the letter. My wife is the main borrower of the mortgage. But they didn't discussed anything with my wife. Today I called them and i informed that they misled me specially the instalments amounts. Then I asked to withdraw my acceptance. They say that They cant do that and if I need to withdraw I need to pay total amount of the dues ( {$34000.00} ) at one time. Otherwise they will foreclose my house. I need to pay regular mortgage according to the original mortgage instalment after the forbearance plan and give me chance to pay the dues ( {$34000.00} ) at the end of the mortgage agreement or whenever I sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX and XXXX at approximately XXXX XXXX, Convergent Outsourcing in XXXX, Michigan called me. I don't answer my phone if I don't recognize the number and of course, I didn't recognize the number and they did not leave a message because I blocked the number. I did a XXXX search and that's how I found out that Convergent is a debt collection agency which for the record, I do not owe anything to anybody so it's either a scam to try to get money from me or it's the wrong number. 
I do, however have my phone service through XXXX and again, I did a XXXX search with Convergent and XXXX and found out that they teamed up and could be trying to scam people into claiming that they have an outstanding debt from XXXX and they don't, well I don't anyway. So with all that being said, they need to quit calling me and harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have previously filed a complaint against Chase Bank for this debt due to inaccurate reporting to all of the credit reporting agencies. Chase filed inaccurate information regarding this account, and according to the Fair Credit Reporting Act, ALL information must be accurate or the account must be removed from ALL credit reporting agencies ' records. Chase still has not removed this account from any of the credit bureaus. Also, I have attached the latest debt collection letter from Chase directly, even though Chase has already charged-off the account and they have received a full tax write-off from the IRS as of XXXX , 2021. Chase Bank has already been fully compensated by the government and they are trying to double-dip the system in order to collect extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Their records show i opened a XXXX account in XX/XX/2020. I did not open a XXXX account in XX/XX/2020. I've talked to way too many people who are either rude or hang up on me. They said they cant send me any kind of proof that it was or wasn't me. I asked for the contract with my signature and they hung up on me. My cell phone provider is XXXX for the last 5 years under someone else 's name. My name isn't on the account and i don't pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
We purchased a new XXXX  car that was financed through Kia Motor Finance. 
Since day one, we have sent extra money above our schedule payment with the intent of paying the loan off early by having the extra money go to reducing the loan principal. 
We have paid enough that for the last 3 months our statement show we dont owe anything however we are still sending them about $ XXXX/mo. to go toward principle. Upon review of our statements I found this company is withholding interest that should not have happened. 
I called their representative on XX/XX/2021 and was told I have call them and request the extra money go against the principal. 
Kia Motor Finance has been ripping us, and probably several others off since we made our first payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MT

Complaint narrative:
Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for. 
I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them. 
Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone. 
So i filed a compliant the Sec of State in MN. and with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
The company is reporting as a charge off for a car that was stole and paid out by the insurance company. This is a big hindrance to me and is making my home loan process harder. 
The company originally removed this from my report and recently out it back on. 

Stated XXXX paid the car off back in 2014 once the car was reported stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: VA

Complaint narrative:
To Whom It May Concern : I closed my account with XXXX on XX/XX/XXXX. When I first canceled the account XXXX did tell me that if the new homeowners did not pick up service, I may be charged {$700.00} for the equipment. For several months I was careful to watch for additional charges but there were none. I heard nothing more from XXXX, paid my final bill and assumed the matter was finished. 

In XX/XX/XXXX I began receiving calls from a collection agency, XXXX XXXX XXXX XXXX, XXXX TX. On XX/XX/XXXX I spoke to XXXX. She informed me that XXXX forced a vendor to buy back equipment from my XXXX account because I had only had my service for one year. XXXX never attempted to reach me to buy back my equipment. No other service attempted to reach to me to buy back my equipment. XXXX said that my equipment was put in by a company no longer in business - " XXXX XXXX XXXX ''. That " XXXX XXXX XXXX '' had been merged with a company called " XXXX XXXX '', and that both had been purchased by XXXX. Now, neither business exists but my " debt '' is to XXXX XXXX. 

I told XXXX no one had attempted to contact me, and that I was not familiar with XXXX XXXX XXXX, XXXX XXXX, OR XXXX Representatives. I told her if I actually owe someone, I'd like to speak to them personally. She stated that it was now against the law for me to speak to them personally because it was in collections. She said they must have tried to reach me at my old address and this is why I never received any notice. However, my mail was forwarded from that address. So that did not make sense either. 

She stated that they had agreed to settle my debt for 75 % of the original cost and now I only owe $ XXXX. I stated that's odd, the debt has increased, however, if I do owe this, I would be willing to possibly negotiate to 50 %. She left the phone, came back and said that they were willing to drop it to $ XXXX. I said, how would I pay that. She said we except Visa, XXXX, XXXX XXXX, and XXXX. I said, I would like to pay by check, to which she said, I was able to do that, but if I did it would be at the higher amount of over {$1000.00}. 

I called XXXX. They assured me that my account with them was clear. I owe nothing. They also sent me a letter stating that my account is in good standing and my balance is {$0.00}. 

The collection agency did threaten to hurt my credit, which today has a FICO score of XXXX. 

Please advise. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was trying to add money to my bluebird account and when I did it too much.They probably were suspecting me of fraud so they suspended me permanently and they did not provide me a reason why.I have over XXXX $ in that account and now I cant use it

Company response to consumer: Closed with monetary relief