vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I received an initial letter from RTR Financial Services dated XX/XX/XXXX alleging I owed a medical debt. I sent a debt verification letter dated XX/XX/XXXX and received a reply dated XX/XX/XXXX enclosing an " itemized bill '' which showed amounts that did not foot, with a note across the bill saying " This bill is true and correct and each of the items shown hereon was necessarily furnished or supplied and the amounts charged therefore are the fair and reasonable value ''. Due to this bill not totaling to the amounts shown, and it does not look to be a proper bill from the hospital, I replied to this letter. The letter I sent back was dated XX/XX/XXXX ( received by RTR Financial Services on XX/XX/XXXX ), where I stated this reply did not validate the debt, and to also cease ALL contact with me. All contact was to cease via USPS, and via phone calls, specifically stating to not call my cell phone also. 

Today, XX/XX/XXXX, I received a call from a RTR Financial Services representative to attempt to explain the debt to me. I told them I do not know what this debt is for, and that I wrote back to them two times about it already and have return receipts to show they received the bill. I also stated that I said to not contact me and this call is a violation of the FDCPA. I stated for their recorded line to not contact me further about this debt. 

This complaint is to report the violation of the FDCPA, as shown below : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The call they made did not meet any of the criteria in numbers 1 - 3 above. The call was to explain the debt to me which violated my do not contact request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The debt in question was billed in error. My employer ( XXXX / XXXX ) offered courtesy services but the service was not coded to waive the monthly fee. I cancelled the service when I found out this was not a covered expense, but the bill lingered for months despite multiple attempts for my employer to correct it. When separated from the company this bill was sold to a 3rd party debt collection company in error as part of a bulk sale of debt accounts because it showed as over 6 months old. My previous employer no longer had access to correct it. When I disputed it with the collection agency they sent me a copy of a bill stating it was proof of the debt, not the original contract or the cancellation docs which were all dated within the cancellation period.

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by XXXX I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS

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 2021-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are two Chase accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
This is the second time in less than 6 months that Equifax continues to report an erroneus COLLECTION account as PAID even after the furnisher of the information, XXXX XXXX XXXX ( XXXX ) sent a deletion request to all three credit bureaus. XXXX and XXXX  immediately deleted the collection upon receiving the DELETION request from XXXX 0N XX/XX/2021. Unfortunately, instead of deleting the collection account # XXXX for {$200.00} allegedly owed to XXXX XXXX XXXX, Equifax decided to change it to a PAID collection. This is wrong and it has significantly affected my credit rating. 
I filed a dispute with XXXX on XX/XX/2021 after noticing that they had changed the collection to PAID instead of DELETING it, I called many times without much help. On XX/XX/2021 XXXX supposedly completed their " investigation '' and concluded that they were reporting correctly in total disregard of the DELETION letter from XXXX. This lowered my credit score and put negative information on my credit file at a time when I am just weeks away from closing on my first mortgage. 
Today, I just filed another dispute with XXXX about the same issue again. I have attached the DELETION request from XXXX as well as XXXX XXXX report closing the investigation stating that they were reporting correctly when they were not. I would like XXXX  to prioritize my request for them to report correctly on this account by deleting it as requested by the data furnisher just like the other two credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I am paying on a chapter XXXX bankruptcy and the company " Radius Global '' will not stop calling me at my request and my attorney 's request. They call over 4 times every single day and I've even spoken to them to stop.

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 2021-05-19 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt. I immediately called and settled this debt with them. I however, was never given calls, letters or notices about this debt before it reported on my credit file. This is a violation of my 30 day right to dispute and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am being contacted by a company that says I owe unpaid rent for an apartment from over three years ago. I called the complex and the property was sold to a new owner. I was never contact by the complex about unpaid money and I have confirmation that everything was paid up.I was emailed about the debt and I emailed them at the address in the email asking for further information and got no response. I call the number listed in their email and it says the call can not be completed " at this time ''. They want about {$100.00} that I don't owe, but I can't get ahold of anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).

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 2021-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased tickets for a concert from XXXX and my account was billed on XX/XX/21. The concert was cancelled due to Covid and rescheduled in XXXX. Unfortunately I can not attend on this date. I have requested a refund but I have been told after trying to contact them many times that all sales are final. I later found out that the concert had already been cancelled around 10 days before I even purchased the tickets making this a fraud something they have done before. 

I have asked Capital One to help me dispute this amount but so far they keep closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North Shore Agency, LLC
State: NC

Complaint narrative:
I received two letters from NSA Collections agency stating I owed XXXX XXXX XXXX {$34.00} and {$19.00}. I've NEVER even read this magazine, let alone subscribe to it. It gives you a number to call but you're on hold forever. It gave you the option for them to call you back, so that's what I did. They never called. It also gives you a website that doesn't work. They're number is XXXX and their website listed on the letter is XXXX. Now I am afraid they can steal my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To whom it may concern : I have been trying to save my home since XXXX of last year but all I am getting is a run around from SPS. They continue to ask repetitive questions about my income and even deliberately wasted over 3 months until I deposited my daughters contribution income to my bank account. They said it was mandatory otherwise they could not continue with my review. I had filed a previous CFPB complaint and they even advised on there that the process consisted of being showing the income deposited. So they lied to your department about my original complaint. Now they told me all I had to do was fix the non borrower credit auth and submit it with 100 % income contribution. 

They are trying to go back on everything they originally stated. I am beyond scared of losing my home because these people don't care about anyones home! They are just saying whatever they feel is going to comfort me and try to make another excuse. My counselor XXXX XXXX has been following up with them on a weekly basis every since resubmitting my loss mitigation application again for the 5th time. He spoke to XXXX from the management 2 that clearly advised there would be no further documents needed and clarified that we should be hearing a resolution soon. Two days later they ask for more information, information they knew already. They were asking about the deposits on my bank statement that where not from my social security. Those deposits are the ones they advised I needed to make! Today we spoke to XXXX in the management team and all she could say is I'll get back to you, this is the same excuse I have been getting for over a year now! They just don't care and something needs to change!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi I applied for a credit card in the month of XX/XX/2021 and capital one was trying pull all three credit bureaus but XXXX and XXXX was frozen and so they only pulled XXXX and my credit score with XXXX is XXXX and I was only approved with credit limit of {$300.00} which is weird with a good credit XXXX card and I would like another credit review on my application on my credit XXXX card or I would have to close this account and reapply this is very odd I should been approved for higher credit limit according to capital one XXXX the minimum credit limit should been at {$1000.00} not {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company Credit Acceptance would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at Credit Acceptance XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity 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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

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