vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
I cancelled phone service with XXXX XXXX on XX/XX/XXXX and the account was closed. I received a letter dated XX/XX/XXXX stating that they had not received payment for {$140.00}. I paid the amount of {$140.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. dated XX/XX/XXXX regarding Account # XXXX in reference to XXXX XXXX  account # XXXX. They are asking for {$140.00} and giving me to XX/XX/XXXX to dispute the letter. The full amount owed to XXXX XXXX  was PAID IN FULL and this IS NOT a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XXXX XXXX, XXXX Westlake Financial Services XXXX XXXX XXXX received a notarized letter of recission & notarized Affidavit of truth from me. This letter allowed me to exercise my right to rescind on my contract, pursuant to 15 USC 1635. Its states that there is a 3 day period to rescind on a contract, unless this is not disclosed at time of purchase, then the consumer has 3 years to rescind. This was NOT disclosed at the time of purchase for my vehicle. I recently found out that this put my dealership and financing agency in direct violation of Federal Law. Which is why I sent the recission via Certified Mail. After checking with both companies to ensure that both had properly received the letter, I allowed both parties their 20 days to respond, as state in 15 USC 1635 ( b ). I have not received response from either parties. I emailed XXXX XXXX ; Chief Compliance Officer at Westlake, on XXXX XXXX, XXXX. This email was to make him aware that I was being harassed in regards to my XXXX XXXX XXXX. Which was a direct violation of 15 USC 1692 ( e ), 15 USC 1692 ( f ), 15 USC 1692 ( g ), 15 USC 1692 ( h ). A few hours after this I was contacted on behalf on Westlake by XXXX. I was then told if I did not stop trying to exercise my right to rescind there would be adverse action taken against myself, my account with Westlake, and my vehicle. I tried to explain to XXXX how the laws applied in my situation. I was unable to do so, instead I was abruptly interrupted. XXXX XXXX again warns that if I do not stop trying to exercise this right that adverse action will be taken against me, and proceed to disconnect the call. I am making this complaint because I am not going to stop. I am legally within my right to exercise my right to rescind. I am also legally within my right to start a class action lawsuit against both parties for failure to respond, pursuant to 15 USC 1640. I would like to bring aware

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I bought tickets to FL from XXXX XXXX on XXXX on XX/XX/XXXX found out that the relatives place I was going to stay at was destroyed by the hurricane. I tried contacting XXXX on their chat service. There was a 45 minute wait, but after 30 minutes they disconnected me from their chat! I tried again, 2nd time it was over an hour wait, and again it disconnected me from their chat after 30 minutes. 

I filed a chargeback with my credit card on XX/XX/XXXX for the {$330.00} since I was not able to contact XXXX XXXX to request a refund. I feel I made more than a reasonable attempt but their own systems kept disconnecting me, making it impossible to contact them. Guessing the hurricane swamped their staff and they didnt hire any more staff to assist. 

Then on XX/XX/XXXX my credit card was canceled with no notice to me. I had received a letter saying a new bank, Comenity, would be taking it over, but I never received any other info nor did I receive any new cards. This caused some major issues for me since I had to go out of town the next day. 

On XX/XX/XXXX I mailed XXXXComenity a payment for XXXX along with a letter explaining the chargeback, since I was concerned that the chargeback info might not have been transferred from XXXX  to Comenity. I stapled my check to the letter to make absolutely sure someone would have to see the letter. 

This check was cashed on XX/XX/XXXX. I had another small payment to make to Comenity the next month for {$83.00} which paid all my remaining charges in full except for the charged back XXXX tickets. 

On XX/XX/XXXX I received another statement from Comenity. They have taken NO action on my chargeback for two months, despite being notified of the chargeback. 

In addition they have charged me a {$25.00} late fee on the amount Ive had in dispute for them for two months. I thought they werent supposed to be able to do that for charges that are currently under dispute? 

When Comenity took over the XXXX credit card service from XXXX  XXXX XXXX, it was a complete mess. I called their customer service line on XX/XX/XXXX and it was obvious they had people answering the phones that had no training at all and were fielding calls from all the people whose cards had been canceled with no notice. Every question I asked the rep, he had to ask his supervisor. I have not attempted to call them again because they didnt have anyone who could really help customers the last time I called and I didnt see that situation getting any better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in any way.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
This is an addendum to CFPB Complaint # XXXX. Attached is an addendum to XXXX XXXX Police Department XXXX # XXXX, filed on XX/XX/2022. The credit card institution 's, Barclays US Office of the President, has not replied to repeated communication attempts regarding the CFPB regulatory complaint. The complainant is going on record that payment of the disputed XXXX  credit card charge is being withheld by the complainant.

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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I went to Bank of America in XXXX XXXX XXXX XXXX to cash a check. I was told there was an {$8.00} fee to cash a check for non-bank customers. I explained I had XXXX accounts but did not have the credit cards with me. I was told I would either have to provide XXXX of the credit cards or write my social security number down on a piece of blank paper and give it to the teller so she could look up my accounts. I asked why my account could not be located with my name, address and phone number and was told I had to provide my complete social security number written on a blank piece of paper and give it to the teller in order to find my accounts ( there was no keypad I could use for private identification ). I then said I do not feel comfortable giving my complete social security number to a stranger and asked to speak to a supervisor. The suppervisor told me the same thing. I then said no problem I will pay the {$8.00} fee and was told.. Now that we know you are a customer we can not cash the check without your complete social security number. I left without my funds. This has happen on at least XXXX other occasion with B of A. I have now told the tenant I will not accept any further checks from B of A and to write me a new check for his rent. And I charged him a late fee because his rent is now late. I also closed XXXX of my B of A accounts. Bank of America is so worried their precious little {$8.00} fee which I believe is discriminatory against low income people. XXXX out of XXXX people or 8 % of the population is " un-bankable '' those folks are usually low income individuals. B of A is discriminating against low income people for their precious little {$8.00} fee. If they didn't have the fee I would not have had the problem I did today. The fee is bad for everyone.

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 2022-12-14 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: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
--

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank hired a lawyer to garnish {$2800.00} on XX/XX/2022 from my XXXX XXXX  where no funds were available. Now over drafts are generating from a negative account. I had absolutely no communication with TD Bank and their lawyers. I was not informed of a lawsuit against me nor was served with any court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
I have tried to dispute these fraudulent inquiries multiple times. Every bureau has removed them except Equifax. 
Based on 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to 15 U.S.C 1681 Section 602 A. States I have the right to privacy According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX ; National Credit Systems reported to XXXX a debt from XXXX XXXX of {$1600.00}. 
I disputed with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. XXXX only listened to the National Credit Systems and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with Magistrate Court of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXX. 
This debt is still posted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received a letter threarning legal action for a credit card debt from XXXX XXXX. 
I never signed an agreement nor do I owe them as they keep sending harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under 15U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, I ordered 9 pairs of XXXX XXXX 's XXXX  for {$56.00}. I never received my package. XXXX XXXX and XXXX claimed the package was delivered on XX/XX/2022 at XXXX. My house is the 2nd one on the left on a dead-end street ; any incoming/outgoing traffic all have to go pass my house. I reviewed my XXXX XXXX for that day, it shows XXXX truck drove past my house at XXXX into the subdivision and drove past again leaving the subdivision at XXXX. The truck driver never entered my long driveway. The package was not delivered at my house. The delivery photo showing on XXXX tracking is not my house. I provided photos of my front door and the XXXX print-outs clearly showing XXXX drove past my house and never entered my driveway to deliver the package. XXXX XXXX told me to file dispute. Bank of America denied my claim saying it was delivered. The problem is they delivered it to the wrong house.

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