vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB BUREAU ; I XXXX XXXX XXXX have contacted all three credit bureaus XXXX, Experian & XXXX  concerning hard and soft enquiries being injurious on to my credit files. They replied as say that we have to keep of them on the files for 3 years to 7 years. I think that its punitive keeping of them enquiries on for too long. plus the hard enquiries that has offered no credit to me, and still sits around it is not wise to keep. if I authorized for credit pull within 90 days of first pull, than this enquiries should not cause my vintage score to run down lower. 

Please read the literature on this issues and notify of all my files holders/ credit bureaus. I have notified of them already.

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 2021-08-16 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: MD

Complaint narrative:
I am writing this complaint about Trans Union and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

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 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
On XX/XX/2021 Source Receivables Management sent a letter to my address in an attempt to collect a debt which I do not owe. I was told by SRM that if i did not pay the debt my credit would be negatively affected and I would not be able to receive services with this business again. They also called me several times in an attempt to collect this debt. According to 15 USC 1692D I have been harassed and my right to privacy as a consumer has been violated. I sent over a payment on XX/XX/2021 in the amount of {$450.00} which I demanded an immediately refund as well as {$2000.00} for two violations. They never responded to my certified letter nor did they issue any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using my fully verified PayPal account daily for months without any issues whatsoever. I was using it primarily as a means to deposit to my XXXX  XXXX, and withdraw winnings, both actively encouraged from PayPal and bookies. Legal and advertised. I had withdraw several times small winnings whenever I won. Yesterday I won big and tried to withdraw XXXX. After 24 hours they limited my account with a reason and froze my money. Obviously hoping to hold onto it. I made the exact same transactions many times just for lesser amounts. It's just this time I made a withdrawal of XXXX and they limited me. Who knows why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent Outsourcing , Inc. offering to accept 25 % of a debt I supposedly owe as full payment. I do not owe this debt, nothing shows on my credit report and I think they just pulled my name out of a hat in the hopes I'd respond which I'm not doing but I am reporting them.

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 2021-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have made three attempts since XX/XX/2021 to have the flood insurance requirement reexamined. FEMA issued a XXXX on that date that would allow us to significantly reduced, even eleminate our {$1700.00} flood insurance premium. Each attempt I was told that it would take 3-5 business days to review and then I would be notified of the findings. The last attempt was on XX/XX/2021. I have still not received any communication. Without the lender 's permission, my insurance agent is not able to make adjustments to the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TX

Complaint narrative:
My child support payments are current and the TX XXXX of Attorney General is continuing to report me as 180 days past due. I have ONE payment that is only 15 days late. I asked Experian to dispute the report. They did ABSOLUTELY NOTHING. I will not sit on the phone for 45 minutes waiting to explain this to anyone. Experian has failed me. They are obviously more concerned about selling their services than actually performing services. 

This is not right and I want to see the TX OAG investigated for improperly and inaccurately reporting to credit report agencies. They are financially damaging thousands of people no doubt, and this needs to be publicized. At minimum, someone needs to alert them about their false reporting, and lets hope it gets their attention. Their state employees are inadequately educated and incompetent. They have no regard for accurate records. Child Support payments shouldnt even be reported to credit agencies to begin with. I am absolutely infuriated this nonsense.

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a credit account with CareCredit of Synchrony Bank, account XXXX which I closed on XX/XX/2021. I had a XXXX  balance on the account. 

Synchrony Bnk XXXX XXXX XXXX XXXX, FL XXXX I have a credit freeze with all credit reporting agencies to preclude unsolicited credit accounts being created. 

On XX/XX/XXXX, over 60 days CareCredit sent me an unsolicited Master Card in account number XXXX. This despite the close account and credit freeze. 

I complained to the customer service number XXXX. The explanation is that they were already converting the account and I was free to accept it or not. They claim that it was not a new account though the account was closed.

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 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
During 9 months since XX/XX/XXXX, XXXX has been acting as a racketeer, demanding me to pay {$79.00} for alleged usage of telephone number XXXX, which I never ordered/bought and never used. It is important to note that since XX/XX/XXXX, dialing this number has always ended in the statement the number isnt valid. This means that XXXX created behind my back false account number XXXX XXXX and demands me to pay {$79.00}. During last 9 months XXXX has been sending me harassing letters and making harassing telephone calls from the numbers : XXXX and XXXX demanding me to pay for the service which XXXX did not provide me. 
In XX/XX/XXXX XXXX used third party Radius Global Solutions LLC which sent me a letter dated XX/XX/XXXX with threats to damage of my ideal credit history and demands to pay it {$79.00}. Its address : XXXX XXXX XXXX, # XXXX, XXXX, MN XXXX, XXXX. 
According to XXXX, on XX/XX/XXXX, Minnesotas Attorney General, XXXX XXXX, filed a Summons and Complaint with the Tenth Judicial District. Charges were filed against XXXX  for using complex and deceptive pricing practices under Minnesota Statutes ( the Uniform Deceptive Trade Practices Act and the Consumer Fraud Act. ) On XX/XX/XXXX, XXXX entered into a consent agreement with the Colorado Attorney General to settle a complaint filed in XXXX District Court pursuant to the Colorado Consumer Protection Act. The consent agreement stipulates that XXXX pay {$6.00} XXXX to the State of Colorado and another {$1.00} XXXX to current and former customers. 
It is important to emphasize that XXXX continues abusing consumers. 
XXXX must stop demanding me to pay {$79.00} ; stop using Radius Global Solutions LLC or any other third party for unlawful extorsion and damage of my credit history ; XXXX must send me a letter that it doesnt have any monetary claims to me.

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 2021-08-16 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: LDF Holdings, LLC
State: CA

Complaint narrative:
I took out a loan with this company called cash Aisle and I realize that The interest of the loan is as to much for me so I called a debt collection for my solution I on what I need to do about this situation. 
I was told that I could put all my bills as one and pay the company Cash Aisle back through my debt solution program i that I enrolled into to help me get out of this debt so there be no bad debt owed on my credit report. 
I found out that Cash Aisle has a negative. Hit on my Clarity credit report which I never even heard of but when I look up clarity service and found my report, there it was a Negative hit against me and I could not understand why would they have this negative hit on my report when I have paid on this account in XXXX and XXXX and have the documents to prove that I made payments on this Cash Aisle account through my debt solution program and there is no I should have any delinquency on my Clarity report and Especially when I have prove that I have been paying on this account for at less two months so why do s it on a credit report call clarity and its reported inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard inquiries added fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: NJ

Complaint narrative:
I am filing this complaint because the company XXXX loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then XXXX has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed XXXX flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. XXXX did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. XXXX customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, XXXX says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.

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 2021-08-16 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: OR

Complaint narrative:
To Whom This May Concern, I contacted Transunion, XXXX, and XXXX  months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below.

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms. 

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX 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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XXXX 2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted TransUnion, XXXX XXXX, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my Transunion report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from XXXX XXXX XXXX XXXX XXXX. Which XXXX XXXX XXXX confirmed they stop using 3 years ago. It also is being reported on my Transunion credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and XXXX inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.

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 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I filed a previous complaint with the CFPB - CFPB Case Number XXXX. In response to this complaint, XXXX XXXX from the Office of the Chairman at Citizens Bank informed me that " as of XX/XX/2021, your checking account ending in XXXX has been closed in a manner which it can not be re-opened. '' However, shortly thereafter, the checking account was re-opened, and Citizens Bank charged me approximately {$140.00} in overdraft fees. They also placed my account with their collections department. As the account was closed and I could no longer access it through my online banking, I did not know it was overdrawn and was obviously not aware it was assessing charges. I spoke with Citizens Bank about this issue, and I was told a request was made for this money to be refunded. Several weeks later and the money was not refunded. I also contacted XXXX XXXX, the representative that handled my other case, several times over the last 3 weeks, leaving a voicemail twice. Despite my attempts to contact XXXX, and her voicemail stating that she returns calls within 24-48 hours, she never called me back. I want Citizens Bank to do what they originally agreed, and refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
To whom it may concern, I XXXX XXXX XXXX show on my credit that your company is reporting false information on my credit. Flagship Credit Acceptance claims I open an account in XXXX FRAUD. 

I want a deletion letter asap this originated in XXXX it has been 7 years I want it removed for violation of false information! 

If I do not get a deletion letter I will report you to the XXXX XXXX XXXX, state attorney office, Federal Trade commission and consumer financial protection Bureau. 



FLAGSHIPCR XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CHARGED OFF ACCOUNT AUTO BAD DEBT ; PLACED FOR COLLECTION ; SKIP CHARGE OFF AMOUNT IS XXXX I need this to be a priority if not I will take action and complaints will be filed. 



Sincerely, XXXX XXXX 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 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX - We issued a check for {$11000.00} payable to United States Treasury in payment of quarterly tax ( Tax Year XXXX Form XXXX ) and mailed this check at the post office located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 
XX/XX/XXXX - We received a bill from Dept of the Treasury Internal Revenue Service by mail, notifying us of changes to our XXXX Form XXXX which resulted in taxes owed for {$11000.00}. 
- We reached out to our CPA for advice regarding IRS letter, raising the issue of why we owed taxes. Our XXXX instructed us to verify the check payment made on XX/XX/XXXX and provide details. 
- We retrieved the details of the check from Chase Bank online. That's when we became aware of alteration to the check. The check was altered, payee was changed to " XXXX XXXX '', my signature on the check was forged. 
- We filled out Form XXXX XXXX Power of Attorney and Declaration of Representative XXXX. provided by our CPA to be able to contact IRS in our behalf about the notice and assessed penalties. 
XX/XX/XXXX - We contacted Chase Claims Department XXXX XXXX XXXX ) to file a claim, went to the local branch to get the form ( Declaration of Unauthorized Endorsement or Altered Item ). 
XX/XX/XXXX - We filled out the Form ( Declaration Of Unauthorized Endorsement or Altered Item ) provided by Chase, returned to the local branch and had the form faxed over to the Claims Department. 
XX/XX/XXXX -We contacted Chase Claims Department ( Reference Case # XXXX XXXX for follow up. We were informed that our claim was denied due to the time it took us to file this claim. Chase personnel stated we only had 35 days to settle from time of discovery, and since it was filed almost a year later, they no longer have the ability to recover the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TrueAccord Corp.
State: OH

Complaint narrative:
True accord has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.

Company response to consumer: Closed with explanation