vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe I do not owe this amount ; I have disputed multiple time to the bureau and the creditor and have not receive any verification of the debt and it's preventing me from getting financed and I want it to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2022 certified letters were sent to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander. The letter sent was requesting proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was sent to me. We further went on to ask them to cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies until they can provide the proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was actually sent to me. Based on the tracking Santander receive the letter XX/XX/XXXX. 

Santander did not reply to my letter, so I was under the impression that Santander deleted the information off my credit report. To my surprise a couple of weeks ago I took a look at my credit report and notice Santander was still reporting incorrect derogatory information about me to the XXXX major credit reporting agencies. I wrote another set of letters to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander on XX/XX/2022 which they received XX/XX/2022 Still no response and the negative account still remains on my credit report. 

I have attached all the letters mailed, along with certified mail receipt and the proof of delivery from the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
as of XXXX XXXX convergent sent me a letter saying I owe XXXX for wireless phone service from XXXX XXXX called XXXX spoke with agent explained I never activated phone I cancelled phone service the next day after original talking with them about getting service.I have phone service with XXXX all along never used XXXX XXXX  XXXX service.XXXX gave debt to convergent for collection I called them explained situation and sent proof of bills from XXXX.They have not resolved this situation.XXXX  has reported this to my credit agencys giving me a bad credit rating reducing my score.I do not owe XXXX XXXX any money for a service that I have never used.

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 2022-04-21 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX**** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I opened an account with XXXX, XXXX for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now XXXX is still reporting a balance and collection or negative account to all three credit agency 's. I have filed XXXX disputes through Experian and XXXX is knowingly providing false information.

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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: MI

Complaint narrative:
The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the Michigan XXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.

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 2022-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX**** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This started when I called to Citibank on XX/XX/XXXX, and asked if I can transfer money to XXXX. The answer was Yes. I proceeded and submit transfer for {$130.00}. By XX/XX/XXXX I noticed that money did not go to the destination. I called Citibank. They told me they had a question if it is a payment or transfer to private person. I answered that question. Since then passed additional 5 days. Again nothing. I called again. They told me it is under review. I told them just recall the wire, since it looks like it does not not go anyway. They submitted recall on XX/XX/XXXX. Since then I call Citibank every day. Absolutely nothing is happening. Money do not deposited back to my savings account, nor transferred to the destination. Citibank told me their regulations it takes 10 days. This 10 days passed, and Citibank does not return my money.

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 2022-04-21 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: LEXISNEXIS
State: PA

Complaint narrative:
my credit report at LexisNexis is reporting wrong information, that belong to another person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the XXXX XXXXXXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.

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 2022-04-21 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:
PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW! 
Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported.

Please send the following information used to verify the validity of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX LATE PAYMENTS XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX XXXX XXXXXXXX LATE PAYMENTS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2022-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP placed a collection on my credit report and trying to collect money that is not owe. The account in question is from XXXX XXXX ( XXXX ) in the amount of {$79.00}. 

I had internet services with XXXX and since moved to a different city where XXXX did not offer services. I contacted XXXX in XX/XX/2021 to cancel my service. 

On XX/XX/2021, I went back to return the internet equipment at a local XXXX office and they stated I had to pay for the month of XXXX since the billing cycle had already started even though the service was cancelled in XXXX. 

After returning the equipments, the cashier confirmed that I had a XXXX balance. 

I have never heard of credit management LP until the collection in my credit report showed up.

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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX this is the case YOU closed! It is NOT closed - if you are not for the consumer then close your business down. I will notify Governor XXXX of your illegal practices This company has violated the Fair Debt Collection practices Act according to XXXX XXXX. Statue of limitations in Pennsylvania is 4 years and this is over 4 years Company did NOT supply all the info needed- my attorney states it does not have my phone number, ssi or item bought. This account was sold in 2015. Tgat is over the statue of limitations. Either your office helps me or I will report it to Governor XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

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