vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I filed a previous complaint about Convergent Outsourcing back in XXXX of 2021 because they were attempting to collect a debt that was already paid and should have NEVER been in collections. CFPB erroneously closed that complaint and since then I have received horrible and illegal treatment by Convergent Outsourcing. After confirming that my debt was paid, Convergent Outsourcing is now attempting to extort me for {$110.00}. 

Convergent Outsourcing is claiming that if I pay this amount then they will recall the debt and remove it from Credit Bureaus. I would like to note that Convergent Outsourcing themselves claimed in my previous complaint with the CFPB that this debt was PAID IN FULL to the original creditor. Therefore, they should have never reported it to credit bureaus since they do not, and have never, owned the account. Now, even though the balance I owed the original creditor was PAID IN FULL, they are attempting to extort me to get it removed from my credit report. This is illegal and my rights are directly being violated by Convergent Outsourcing. I have consulted with legal counsel and I intend of pursuing legal action to the fullest extent of the law if the CFPB does not rectify this 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 explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX a car I had financed with TXXXX XXXX  was totalled. The car was fully insured by XXXX XXXX and XXXX was named as an additional insured. I have comprehensive coverage and XXXX XXXX took full responsibility to pay XXXX XXXXess a {$500.00} deductible. On XX/XX/XXXX, while the paperwork to get XXXX  paid was being processed by XXXX XXXX I filed a Chapter XXXX petition because of a judgments against one of my companies. All the creditors were paid in full and the Judge dismissed the bankruptcy because there was no creditor or debt over which the court could take jurisdiction. XXXX  was fully paid by XXXX XXXX but they still filed a credit report that said " Status-Petition for Chapter XXXX Bankruptcy. '' XXXX  XXXX has some overzealous lawyers who get paid if tha prosecute a bankruptcy case and these lawyers filed a claim in the bankruptcy case and held up the payment to XXXX from XXXX XXXX. The Chapter XXXX Bankruptcy impacted XXXX getting fully paid for a {$28000.00} car loan in no way at all and the status of the XXXX loan should not refer to the Chapter XXXX Bankruptcy which was dismissed and never was adjudicated. Dennis v. BEH-1, LLC, 504 F.3d 892, 2007 U.S. App. LEXIS 22690 ( 9th Cir. 2007 ), reh'g denied, reh'g, en banc, denied, amended, 520 F.3d 1066, 2008 U.S. App. LEXIS 6291 ( 9th Cir. 2008 ), reprinted, 520 F.3d 1066, 2008 U.S. App. LEXIS 6290 ( 9th Cir. 2008 ) where the court ruled " Federal Law forbids the reporting of a dismissed case. see Defendant credit reporting agencys reinvestigation of alleged error in plaintiff debtors credit report, which overlooked dismissal of unlawful detainer case against debtor and misinterpreted written stipulation between debtor and his landlord that no judgment would be entered against debtor in unlawful detainer action so long as debtor complied with payment schedule, fell short of reasonable diligence standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
City Bank cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but Citibank still wrongfully reported that the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, I woke up to my Chase Checking account with a hold of negative XXXX XXXX dollars. Its been over 8 months and chase has given me the go around and would not tell me why i dont have access to my account. Were in a middle of a pendemic, my stimulus checks, unemployment money and all of my savings were in that account and Ive been evicted for not having access to my money and got behind on bills. Ive called their costumer service, levees received no help aside from try again tomorrow. Even lawyers werent able to help me because their is no case number and no explanation on why the hold is on there. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: IL

Complaint narrative:
there are items on my credit report due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consolidated Management Group, LLC
State: TX

Complaint narrative:
They contacted me for a very old debt i had in XXXX  i took that out when i was XXXX XXXX XXXX. I started to pay it off they never once sent me a letter about the debt or have verified that they are the ones authorized to collect the debt. I asked several times for a letter to be either email or mailed to me for verification purposes but they declined and got an attitude and threatening to send someone to hand me some paperwork to go to court and be in Jail for non payment. There calling me non stop to pay whats left around {$400.00} something their name is Consolidated Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$520.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My grievance is DIRECTLY with ally financial reporting false information to XXXX 

I need someone to call XXXX  ASAP and call me at XXXX because ally financial loan is FALSELY reporting that ally financial closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to XXXX  credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that ally financial is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for XXXX  to fix dispute The Follow up XXXX direct # to call for dispute : XXXX Ally confirmation dispute # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
So my name is XXXX XXXX and I made my PayPal account XX/XX/XXXX or XX/XX/XXXX of XXXX and I got a donation from an XXXX XXXX XXXX XXXX of XXXX dollars they sent it to my PayPal and I ordered the PayPal card so the money can be directed straight into my PayPal card once I activated it. On XX/XX/XXXX I called PayPal to activate my account to which they said that my account was frozen and I was upset because I got no email or no phone call confirming this was gon na take place and they never gave me a reason as to why my account was frozen in the 1st place. They told me to wait 180 days which is illegal because its not a bank so they cant hold anybody money and I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My grievance is DIRECTLY with XXXX XXXX reporting false information to equifax. 

I need someone to call equifax ASAP and call me at XXXX because XXXX XXXX  loan is FALSELY reporting that XXXX XXXX closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to equifax credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that XXXX XXXX is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for Equifax to fix dispute The Follow up equifax direct # to call for dispute : XXXX XXXX confirmation dispute # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MD

Complaint narrative:
Experian credit report : dark web activity Please notify experian

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 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
I have created the account in Gemini, after serval weeks my account is not be verified. I have sent a lot of email to get the account be setup so I can deposit/withdraw my fund. But no lucks. And I can't remove my account to make sure my data not be used wrongly. 
They are not following the GDPR and stealing the personal data with money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I had purchased a XXXX XXXX XXXX from a dealership in XXXX. Approved me for financing. Then 6 days later, issues with paperwork. Because they could not decipher the income. Also they do not use unemployment or any business that's self employed as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
I contacted Experian by phone on XX/XX/XXXX regarding inaccurate information that continues to appear only on my Experian credit report. The creditor continually reporting inaccurately is XXXX XXXX and I have disputed the information both directly with them and now Experian. They are in violation of my rights as a consumer by reporting this for t

wo reasons. 1 ) the account has been reporting since XXXX and it is well beyond the credit reporting threshold of 7 years 2 ) the account is not mine, it is not even in my name it belongs to an ex XXXX XXXX who opened and used my information as a joint account without me present or my permission When I spoke to Experian on XX/XX/XXXX they agreed that XXXX, XXXX was in violation and could not continue to reporting an account to my credit for 10+ years. Additionally, they moved the same balance and account over to another account that they declared as written off in XXXX so that could report it longer. Both accounts are still on my credit report to this day. Experian advised me that they would open a dispute with XXXX, XXXX letting them know of the violations and then the accounts would be deleted from my file. I then get communication back on the dispute via email stating that XXXX XXXX again confirmed the information was accurate and that it wouldnt be removed. At this point, I am submitting my claim here as a last attempt to resolve this injustice against me. I know my rights and these companies can not report something for 10+ years. I have the documents and dates to prove everything too. If you can not get this resolved, I will seek legal action because I have the right to do so. I have already consulted with an attorney who did advise that I bring this to court.

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 2021-04-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has not took care of the problem I have an account with XXXX XXXX thats in good standing and they still refuse to put it on I am about to sue there pants off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
I have provided my information to Equifax they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting the same account to my credit twice for the same exact amount of {$3200.00}. The lender is XXXX XXXX XXXX XXXX. Even though it's showing two different account numbers, there's no way I can owe the same lender the exact same amount on an account. There's another account being reported by this same lender in the amount of {$4800.00} with an account number of XXXX. This same account is being reported also in the amount of {$3200.00} with the same account number. There is a total of three accounts being reported by Equifax and this company. 


Also, there is an account being reported by Equifax with 35 chargeoffs with an account number of XXXX. 

Equifax is also reporting an account from XXXX XXXX XXXX with Account number XXXX in the amount of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MD

Complaint narrative:
I submitted a dispute to equifax.com about unauthorized credit inquires listed on my equifax.com credit file. They never investigated them. I submitted documentation and they never investigated them. I have a right under the fair credit act to have them investigated by each company. I sent the letters for them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
I received an email from XXXX XXXX ( Senior Customer Service Specialist ) on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ) ; stating an account review and withdrawals are disabled on my account. I referenced that I completed my KYC ( Know Your Customer ) when first creating my account. Never got a response on why my account was locked, but sent in the requested documents through an unencrypted email to their XXXX ( XXXX ) software, which seems like a HIPPA violation. The first email attached, was the last that I heard from XXXX or another employee from XXXX.US. During this time, I had another issue with an ACH deposit and created a ticket on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ). 

After receiving no response on both tickets, I went to social media ( XXXX  and XXXX ) and posted my issues with their customer service. A customer service rep with the username XXXX escalated both tickets. The other email attached, is from the response I got from XXXX. They helped resolve ticket XXXX, and commented on my other ticket ( XXXX ) " As for your other ticket, I'll escalate this over to our onboarding department for further review. There's no reason for you to wait that long. Please hold tight. '' It is now XX/XX/XXXX ; a total of 3 months and 26 days of no responses, reasoning or resolution on ticket XXXX. My account is still locked under " Risk Management '', and around {$3200.00} is still locked on their exchange. I am at the point of being absolutely disgusted with this company/exchange on how they are doing this. I want my account unlocked, so I can move my funds over to other cryptocurrency wallets and I will never be using this exchange again.

Company response to consumer: Closed with explanation