vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I filled a dispute XXXX XXXX For Debt of {$580.00} I stated to XXXX I never opened an account with them also filed for identity theft The company Convergent outsourcing

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I'm filing this complaint against this loan servicer Green Tree this loan was a Predatory loan the amount we were charged a high interest rate for a loan amount we never received for years it all was a part of their deceptive practices and then they transferred the loan to another servicer Ditech which continued with the deceit. I have tried reaching out to resolve but was instructed to file a formal complaint against Green Tree and it's affiliates, So we did. 
Green Tree Mailstop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.

Complaint narrative:
Hello, I have been sent to a debt collector by XXXX XXXX XXXX XXXX XXXX regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I XXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to XXXX to close my debt and that the equipment was returned. I have contact XXXX  multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with XXXX has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with XXXX and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the XXXX rep that my account was closed and that I shouldn't owe any money, I then informed the XXXX XXXX that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from Associated Credit Services , INC that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX  Account # XXXX The consumer reporting agency which is Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Transunion has violated my rights.

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 2023-01-26 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: NC

Complaint narrative:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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
Consumer complaint received 2023-01-26 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: VA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX Account # XXXX The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all XXXX credit reports. Which is a violation. 

This is impacting me from moving forward to buying a house for my family. 

Equifax has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Hello, I have been sent to a debt collector by CITIZENS BANK ( CB ) regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I amXXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to CB to close my debt and that the equipment was returned. I have contact CB multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with CB has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with CB and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the CB rep that my account was closed and that I shouldn't owe any money, I then informed the CB rep that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from XXXX XXXX XXXX XXXX XXXX that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much V/R XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MN

Complaint narrative:
I have a closed account that was charged off over XXXX XXXX XXXX through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but Equifax and XXXX have refused to remove it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Greetings : My name is XXXX XXXX and I am having an ongoing dispute regarding fraudulent charges posting to a now closed credit card account I had with JP Morgan Chase in particular a Chase Slate CREDIT CARD ending in ( XXXX ). Prior to me closing the account I noticed fraudulent charges being made against the account last year in XXXX around late XXXX or XXXX while sitting at the kitchen table in XXXX, XXXX. The two transactions in question came across my phone from XXXX of XXXX when I immediately contacted the Security Center for Chase and they confirmed these transactions advising me that they were aware of the transactions and that they were investigating the matter as I reported it. They closed that account and opened a new account as ( XXXX ) but without advising me of any steps they had taken to resolve the fraudulent actions coming from a foreign location applied the amounts in question to the new account prior to me activating the new card upon receipt. Therefore, I did not activate the card in my possession and called their fraud unit again to inquire as to those fraudulent charges from a foreign location for which they had completed no due diligence to resolve the matter but attributed it to me without ascertaining any travel information or inquiring whether or not I possessed a passport or traveled outside of the United States. I then immediately disputed those charges and advised the Security personnel that again I was in the state of Georgia when those charges occurred and that I was not satisfied with whatever action Chase Slate had taken to resolve the matter and requested that I receive all information via postal mail because I intended to established a paper trail regarding the matter. Chase was made aware in the beginning that I had always maintained possession of the physical card and had not provided my information to anyone to use. I had already destroyed the ( XXXX ) card in my possession while they were supposedly looking into the disputed charges. This is supposed to be contained on at least two recorded conversations between me and their representatives. I will always continue to assert that these were fraudulent charges and Chase is responsible for allowing these transactions to go through even as I called them when it was in progress. As of now, Chase Slate is impacting my credit report and credit score with fees and negative information listed under ( XXXX ) that is a closed account. I am seeking whatever relief the CFPB is able to provide in assisting me with this complaint. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XX/XX/XXXX @ approx. XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a closed account that was charged off over 8 years old through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but XXXX and Experian have refused to remove it. Please help.

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 2023-01-26 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NO

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 2023-01-26 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: NC

Complaint narrative:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dear TD Bank Management, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as medical bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interests on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I thought the account has been paid off. I recently paid off the account because I dont want another accruing interest for the month of XXXX. The accruing interests are outrageously high. I believe it is unfair and has been a distress for me see my balance accruing interests. I have five very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I sent me friend {$40.00} on the XXXX through PayPal because I owed him. PayPal is always instant but this time was not. I called PayPal and was told it just has to be cleared by my bank. It clears the next day and PayPal won't release it even though it was taken out from my bank. Given the runaround every time. Claiming my bank is holding the money but it's PayPal that needs to send the {$40.00} to another PayPal user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Dana & Pariser Co.,L.P.A.
State: OH

Complaint narrative:
Dana & Prasier Co, LPA is the Collection Agency that XXXX XXXX XXXX XXXX, XXXX is using to collect on XXXX XXXX XXXX XXXX XXXXr bills that are not owed and have even threatened to evict or have evicted tenants tat do not pay. Even if you do pay the water bill XXXX uses the collection agency Attorneys to evict tenants anyway like they did me. I had to agree to an Agreed Entry and be out of my old address by XX/XX/22 at XXXXXXXX XXXX or that Agreed Entry would automatically turn into an eviction that would ruin my rental history and credit. 

I was told by at least two Attorneys ( XXXX XXXX, Ohio Legal Aide and XXXX XXXX, XXXX XXXX, XXXX, Ohio ) that collections on old water bills that aren't proven as actually OWED by the tenant themselves is ILLEGAL which means that Dana & Praisers Attorney, XXXX XXXX, had o to of kown that too and yet their company continued to collect on the debt.I tried for over a year to settle the matter wih their client, my old landlord, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) and she only communicated by email one time then after that never would go over the bill again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: PA

Complaint narrative:
My name is XXXX XXXX and Im contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX  XXXX and or XXXX XXXX XXXX  XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I hols a mortgage with Chase. 
I was recently informed by Chase of an increase in escrow account payments of around 50 %. This prompted me to review the latest escrow statement. I noticed that an extra home insurance payment had been made. This explains the escrow shortages. 
Furthermore my insurance agent sent me proof that Chase had been sent this excess money back immediately ( XXXX of XXXX  ). 
After this experience I was prompted to look into past escrow statements. I was unable to find any previous statements at Chase 's site. 
This is highly suspicious behavior.

Company response to consumer: Closed with explanation