vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. the finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance separately. REGIONAL ACCEPTANCE CORPORATION have ignored my Cease an Desist demands pursuant to 15 USC 1692c. ( c ) ( 2 ).

PURSUANT TO 15 USC 1692 ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT THERE ARE MANY MORE OF MY RIGHTS THAT HAVE BEEN VIOLATED BY REGIONAL ACCEPTANCE CORPORATION. REGIONAL ACCEPTANCE CORPORATION has also violated 15 USC 1692d, 15 USC 1692g, 15 USC 1692b. ( 5 ), 15 USC 1692b. ( 2 ), 15 USC 1692f. ( 8 ), 15 USC 1692j.
THEY HAVE ALSO VIOLATED MY TILA ( TRUTH IN LENDING ACT ) RIGHTS PURSUANT TO 15 USC 1601 AS WELL AS MY FCRA ( FAIR CREDIT REPORTING ACT ) RIGHTS PURSUANT TO 15 USC 1681, AND 15 USC 6802 Violation of 15 USC 1611 ( Criminal Liability ) REGIONAL ACCEPTANCE CORPORATION willfully and knowingly did not disclose Right to Rescission and is criminally liable. Penalty for said violation pursuant to 15 USC 1611 carries a fine no more than {$5000.00} or imprisoned not more than one year or both.

Violation of 15 USC 1601 ( Civil Liability ) Under ( TILA ) Truth In Lending Act neglecting to disclose the Right to Rescind carries a fine of double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 Violation of 15 USC 1605 Accepting cash as payment for finance charge and monthly payments thereafter. Knowingly excluding insurance in finance charge. Penalty for said violation is double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 ( a )

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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I received a letter from collection receivables inc. on XX/XX/2021 stating that I owe a debt to XXXX XXXX of {$1000.00}. I have not received any notification from XXXX XXXX stating that I owe any amount until I received this notice. I contacted the collection agency stating that I do not recognize this debt in the fact that I have not attended that gym and only believed I had signed up for a trial which I have never used. I told them that I would be sending a validity of debt letter and would like this debt to be verified in writing and sent the letter on XX/XX/2021. I have never received anything in the mail from the collection agency verifying the debt and received another call on XX/XX/XXXX with another attempt to collect. I was explaining that I have sent a letter to the office asking for written verification of the debt and they stated they did not have to send me anything in the mail and abruptly put me on hold with no notice or disconnected the call. I called back and the person on the phone began to yell and speak to me in a very unprofessional manner after I asked her not to yell and cut me off as I was just asking questions I had to hang up because she refused to answer me about the validation of debt. I have connected them in writing before the 30 days and they did not contact me in writing or by phone after I sent the letter and therefore have not contacted until after the allotted amount of time. I have a copy of the letter I sent disputing the debt and also have the original letter in the mail from collection receivables inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Netspend Corporation
State: FL

Complaint narrative:
Netspend send a card to my address with someone else 's first name, but using my last name and address. This is how my credit was ruined previously by XXXX. I am filing this complaint because I never requested this card and Netspend is doing the same thing XXXX did, extend credit to someone I do not know, using my address and last name. I have contacted XXXX XXXX XXXX who handled my XXXX case. Netspend should cease and desist their fraudulent activity using my last name and address unless they want to pay a large settlement and legal fees.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :

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 non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
paypal close my account for not reason after i received my XXXX dollar. 
they told me that they will made my money avalible for XX/XX/XXXX but, i call them and they dont want release my money. 
i want my money back now, i waited to much. 


my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
The company is reporting outdated information. my criminal history is clear. A recent search would reveal that.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have told them the person they are looking for, XXXX XXXX, is not the owner of this phone number. I even called back and we verbally told my number had been removed. When I asked today who was calling they would never say asked for the same person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX  balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
As far as I am aware, and due to the receipts I have, XXXX was paid almost two years ago directly before it ever went into collections. I called to request validation of the debt from Convergent on Friday ( the day I received the letter ) and it was then I realized they had blocked my personal cell phone from calling them ( due to the nature of my job ) and I made sure to call from my work phone immediately after to require an employee to hear the message I got on their recorded line. The call was made XX/XX/21 at XXXX CST and I spoke to XXXX XXXX After playing the message to her, she disconnected the call immediately. I decided to call again from my work number to see if it was an accident or if the same thing would happen, it disconnected after 8:55 minutes on hold. 
Not only do I have no knowledge of this debt, this company has made it impossible for me to contact them to pay them even if they validated the debt. I wrote them an email Friday at XXXX and requested validation of my debt including what exact service was being billed within 48 hours, they did not respond. 
I have no means to contact them if they keep blocking my numbers and I am requesting this be removed since I cant pay a company that blocked me. You are more than welcome to require them to provide the call made on the above date at the above time so you can see the proof behind what I've said.

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 2021-08-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Stop calling me I getting like 7 miss call daily and I just pull my XXXX Credit Report and I don't have any XXXX Acct next I Never ever give out my social security number to ANYONE I'm report this info ( FTC ) Federal Trade Commission so Stop calling me from this Number XXXX.

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 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
2 charges made on XX/XX/2019 for {$91.00}. called and filed dispute. Received letter on XX/XX/XXXX acknowledging dispute and letter XX/XX/XXXX asssigning case # and a form to fill out which I did and returned. Letter XX/XX/XXXX & XXXX again mentioning dispute and case # 's. 
XX/XX/XXXX letter indicating closed account for investigation purposes. Letter on XX/XX/XXXX indicating that I do not need to " pay any portion of the disputed amount ''. Continue to receive statements and was also charged a fee for not paying. Have called numerous times and talked with dispute department and fraud squad and still nothing is solved. 
In the meantime I am being billed and charged fees. The company is Barclay Card.

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 monetary relief
Consumer complaint received 2021-08-02 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft AMEX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXXXXX**** This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX-XXXX**** This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXXXXX**** This is not mine.
6. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 XXXX reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express is still sending solicitations to my email XXXX. I asked for business credit card with travel benefits for my trip to california and American Express will not approve. I asked not to be contacted if American Express does not want to do business the way i asked. I filed a complaints, asked to be removed from email and mailing lists. filed a opt out with experian to include all my emails and addresses. I also filed a do not market with XXXX for all names and addresses. American Express refuses to listen to my request for a business travel card, yet keeps contacting me. I want to be left alone and i do not want to be contacted unless i am being approved for the Business Travel rewards card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I realized that someone had been sending themselves money out of 3 of my savings accounts by XXXX to XXXX XXXX. I have NO IDEA who this person is. I obtained email XXXX and phone # XXXX from online fraud department at Wells Fargo as being added to my online banking account WITHOUT my authorization & that is how they gained access to hack into my accounts and send themselves money. I DID NOT get an alert from Wells Fargo when someone added their phone #, and then they sent themselves {$15000.00} in the following transactions. 
XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00}. I found these on XX/XX/XXXX and called Wells Fargo XXXXMMEDIATELY to report the fraud. The last one for {$2400.00} was still pending, and they said they could not cancel it! They closed my 3 savings accounts & created new ones, and the {$2400.00} was posted to the new account on XX/XX/XXXX! 
Wells Fargo has DENIED my claim because they said it came from a " local ip address '', which is what HACKERS DO!! They hack into someone's computer and commit fraud.

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 2021-08-02 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: WA

Complaint narrative:
Equifax continues to show inaccurate late payments of XXXX personal loan. This is despite the company providing notification to fix the reporting. The company sent notification as of XX/XX/2021. I resent the company correspondence in XX/XX/2021. I have contacted Equifax on 4 occasions. They continue to state that correspondence is not showing in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Have disputed my consumer statement with Equifax numerous times to have it completely deleted, but to no avail. All I want is for Equifax to clean-up my credit report and completely delete my consumer statement asap.

Company response to consumer: Closed with explanation