vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXXNC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL 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 2020-05-21 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Details : Convergent outsourcing is attempting to collect CELL PHONE DEBT which is almost 6 years old. 

Original creditor : XXXX Amount : {$1600.00} Age of debt : 6 years ( XXXX has it as 4 years ) Issue : this debt has passed FEDERAL statute of limitations ( FDCPA ) of 2 years by a significant margins Ask : remove this item from any credit reporting agency ( from XXXX AND including XXXX ) Creditor Information CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , WA 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 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I contacted them on XX/XX/2020. 
About a debt on my credit report. First they read me my rights but never varied my information beyond my name. And started providing my personal information to me. My personal information. Its great to know that anyone who has my name came gain access to my person information with the company. That was one the first. Then the lady I spoke with. Mocked me. Raised her voice to me. And hung up on me when I told her I'd be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

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 2020-05-21 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$530.00}

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 2020-05-21 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: GA

Complaint narrative:
On XX/XX/2020 I submitted a dispute letter to TransUnion asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and TransUnion has yet to respond or even notify me of any investigation results or updates.

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 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am getting collection efforts from a company named National Credit Systems , Inc . I do not have any business contracts with this company. They are trying to collect on behalf of a different which I do have business with. However National Credit Systems has been incapable of validating the debt. They can not produce written agreement by me allowing them to report any accounts on my credit reports on behalf of this company. They have failed to produce verification that they can collect on behalf of XXXX. They have failed to produce proof that they are licensed to collect in the state of Georgia. Again, I have never signed any agreement with this company regarding XXXX, nor given them authorization to report anything on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
They put my mortgage in forbearance and reported it to the credit companies and now my credit score dropped 67 points and they broke the CARE ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My husband and I applied for a VA mortgage refinance through Navy federal Credit Union on XX/XX/XXXX. My husband and I wanted to take advantage of the lower rates given all of the economic uncertainty created by the pandemic. After we applied we promptly submitted all paperwork by XX/XX/XXXX and were told to await processing but that it could be up to 6 months due to high application volume. I called again XX/XX/XXXX to ensure they had everything they needed from us and see if there were any updates on our application. They had no updates for me and told me to continue to wait patiently. I had our fourth baby XX/XX/XXXX. So, I didnt call again and continued to wait until XXXX. On XX/XX/XXXX I called to check on the status and was told our application was denied because they found no mortgage even though my submitted paperwork was still in processing according to their system. We also never received one call or letter from their loan processing department. The representative I spoke to couldnt make any sense of this and said he had never seen something like this before. He connected me to the loan processors voicemail so I could leave a message but he was unable to provide me any further details. I left her a message and waited a week but received no call back. I called again today, XX/XX/XXXX to which I got the same information and was transferred to her voicemail again. I spent over 40 minutes on the phone trying to get someone who could give me any answers today. Im now waiting for another call back that Im not expecting to actually receive. 
Considering the current economic climate and the ongoing pandemic we are relying on this application to be honored and processed correctly. We had a locked in rate from XX/XX/XXXX that we need honored. 
We 100 % qualify for this refinance and would like Navy Federal to do their job correctly and stand by veterans, especially during this unprecedented time. Could you please look into this for us and help us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am following up on the claim # XXXX that was closed after the company responded and i was unable to respond to that claim so I open this case as a follow up to express my frustration and anger. Like i said it was a Bank fraud and my computer was compromised at the time the money was transferred on XX/XX/2020, with the description of XXXX XXXX XXXX # XXXX ; XXXX, XXXX. Recently I also filed the police report on XX/XX/2020 and I also found a suspicious IP address that was recorded in my XXXX account that shows it was signed out at exactly XXXX XXXX  XX/XX/2020 when the XXXX transferred was also initiated at XXXX XXXX, XX/XX/2020. I am attaching here a new set of documents where it shows the browser version and the IP address that belongs to me compare to what the perpetrator use. I also attached here a screenshot of my email showing a bunch of verification code request from the perpetrator. When i login to my computer for the past 5 years it does not ask for this information. This detection is clearly triggered by the Bank finding suspicious activity in 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 monetary relief
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) afte
r the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. 

When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX  to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. 

The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. 

I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. 

My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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