vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from AR RESOURCES Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter XXXX XXXX XXXX  they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) AR RESOURCES this item was deleted from my credit but reinserted without me being notify in writing within 5 business days. Consumer Protection afforded by the FCRA PART ( A ) ( 5 ) ( B ) ( ii ) Fine of $ 1,000.00.Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulenty obtain goods or service. On XX/XX/2020 Someone illegally obtained my information and opened a XXXX account and has a past due balance of {$4100.00}. My account was sent to collections and has destroyed my credit. The collection Agency is AMSHER COLLECTION SERICES. I have contacted AMSHER and informed them this was not done by me and no consent by me was ever done. Please help me and remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9300.00}, {$12000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
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 I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not 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 explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I have called Experian a few times to get addresses removed as well as names I don't use. they refuse to remove the information and told me the only way to remove it was to get a police report. they say the letter I uploaded was insufficient because it does not say the name or address in the police report. I have told Experian multiple times that I don't use XXXX XXXX when applying for credit I use XXXX XXXX XXXX. because of the identity theft situation from 2006. Experian continues to refuse my request and they continue to disobey the law by continuing to report inaccurate information on my credit report. 
I requested Experian to delete the names on credit report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX addresses : I do not live at a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and this info needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from CONVERGENT OUTSOURCING Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter CONVERGENT OUTSOURCING they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

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 2020-12-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - NAMES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ADDRESSES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE NUMBERS ARE NOT MINE

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 2020-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
My house sale closed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me the balance in my escrow account. USAA XXXX was the insurer of the house and a new policy was to take effect on XX/XX/XXXX. 
Because the house sold on XX/XX/XXXX, USAA closed the policy. They sent me this message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The pro-rated refund of {$550.00} has not been sent to XXXX XXXX yet. The policy cancellation was not keyed until XX/XX/XXXX, and was backdated with a cancellation date of XX/XX/XXXX. The refund to XXXX XXXX will be processed within the next two weeks. 

We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXX USAA -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Why would USAA hold XXXX the {$550.00} & then send it 2 weeks later to XXXX XXXX? XXXX XXXX XX/XX/XXXX : I checked the XXXX XXXX acct -- NO {$550.00} had been received ). It makes NO sense for USAA to send the check to XXXX XXXX - I am NO Longer a customer thre & my mortgage was paid OFF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo froze my account with {$700.00} a month ago and still hasnt resolved the issue! This has now been a month of me fighting to have MY money transferred to MY bank. I verified my identity and now they want bank statements which is personal! The money I transferred was to my fianc and they froze my account and it cant even be put back into it! How does a company withold your personal money for a month!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan servicer states they paid my property taxes on XX/XX/2020 in the amount of {$4700.00}. However, the XXXX XXXX County Tax Assessment office still shows them as unpaid although the funds were withdrawn from my Escrow account. Since this time the property was sold and Escrow withheld another {$4700.00} for the unpaid taxes.

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 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from PENN CREDIT CORPORATION Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did reply back to my initial letter PENN CREDIT CORPORATION but they are still violating federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter on XX/XX/XXXX. So, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CCS, Is reporting a collection account for {$180.00} on my credit report. I DO NOT owe this debt. I've reached out to this company for VERIFICATION of this debt. Only to receive a bill and that is NOT proper VERIFICATION of a debt. They have failed to provide me with necessary documents that will prove this account or debt belongs to me. I never sign a contract with them. I never given them any permission to CALL my phone MULTIPLE times day and night. Leaving me no chose but dispute this unverifiable debt. I also reached out to XXXX, asking for a VALIDATION, only to receive a response that it VERIFIED. Which they NEVER verified it. 

Also this collection account # XXXX reporting PAST DUE, which a VIOLATION of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Complaint : Bank of America closed my claim of {$6000.00} in unauthorized ATM-withdrawals, one day after filing my claim, without investigation or a refund. 

The evening of Sunday, XX/XX/2020 I received a notification from Bank of America on my phone that the balance on my Bank of America Nevada Unemployment Insurance Debit Card Account had dropped below {$500.00}. I went online and found 6 unauthorized ATM withdrawals of {$1000.00} each, at various XXXX XXXX ATMs in XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, draining my account to {$30.00}. Immediately after noticing the transactions I called Bank of America. They cancelled my card, which is still in my possession, and issued a new card. They told me to call back the next morning, since the claims department was already closed. 
The next morning, Monday XX/XX/XXXX, I filed my claim totaling {$6000.00} with the fraud claims department of Bank of America. The lady on the phone said I would receive a letter after 10 days informing me how much I would be refunded, and that the total investigation could take up to 45 days. 
I also filed a report with the local police in XXXX XXXX on XX/XX/2020, which I sent per fax to BoA the next morning, on XX/XX/2020. 
On Friday XX/XX/2020 I received a letter from BoA stating your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. ' and that they would debit the account for any temporary credit that was applied related to this claim, if any. This letter was generated on XX/XX/2020, a day after I filed my claim and postmarked six days later, on XX/XX/2020. In addition, the letter states, that I can request to reopen my claim for further consideration.

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 2020-12-05 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-05 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation