vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX had devices in order for them to operate the non profit rescue of animals with XXXX XXXX. XXXX went through economical changes and with in a month disconnected all devices - with attempts to resolve the issue they would not answer at all or put on hold with offshoring companies. With COVID you could never get ahold of them - now the volunteers that answer the XXXX number which serviced the old XXXX is getting calls threatnening the business with ghetto and co, unist type approaches " are you the business owner ... are you at PO BOX XXXX .are you the owner? XXXX changed owners several times - and the original one XXXX XXXX that started the organization is dead - In the mean time they tacked on charges up to XXXX  - we do not have a n issue giving them them the XXXX that was outstanding but to put money in the pockets of some crooks that just woke up from COVID because they thing Trump is not in power becuase the rep stated that is just crazy - These companies should be regulated and not allowed abusing the people - It is called Diversified XXXX Diversified Adjustment Service , Inc. : Debt Collection Agency ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XX/XX/ {$66.00} Company that I don't recognize report a collection debt on my credit report without authorization and previous notification. Also, they never sent me a bill on my address, email or a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
I'm a victim of identity theft this account has been subjected to fraud. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
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 XX/XX/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 o utlining 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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-11-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My rights were violated pursuant to Federal Law.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I requested a security freeze on XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX CFPB To Whom It May Concern : I received a notice Dated XX/XX/XXXX in the mail from XXXX XXXX XXXX XXXX XXXX  concerning a timeshare debt " NOW '' naming me as the owner and XXXX XXXX as Co-owner that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 
Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgment in XXXX he paid me a lump sum, he kept all five of the properties, making himself the sole owner of All properties moving forward I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgment documentation and I never had the pleasure of using. For more than 32 years I have not lived in, visited, nor been aware of it. 

I am sure that the records will show that this is solely the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and SSI/SSA Benefits income. 

Please review the attached information that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have at finding the person who is responsible, and can pay, is my ex-husband for all fraudulent acts, and damages against me. 
Sincerely, 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 2020-11-11 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: GA

Complaint narrative:
I opened a XXXX revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted XXXX to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and XXXX was that no payments would be reported late once the contract was formed and executed. XXXX breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid XXXX each month on time yet XXXX still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted XXXX on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to XXXX deleted from all of my consumer reporting agency reports XXXX Equifax, XXXX, and XXXX  XXXX. Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.

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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to LVNV Funding LLC and all 3 credit bureaus regarding a collection that was opened in XXXX. It is well over 30 days and everything but my XXXX still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a coat on Amazon for {$220.00} on XX/XX/XXXX. I returned the coat on XX/XX/XXXX. The return was not credited to my account so I opened a dispute on XX/XX/XXXX with Chase. Chase initially credited my account and then said Amazon rebilled on XX/XX/XXXX. My communication with Amazon was that they never rebilled. I reopened another dispute with Chase on XX/XX/XXXX based on my communication with Amazon. In the meantime Chase recorded two months of negative credit reporting.

Amazon repeatedly denied rebilling my account. My third dispute in XX/XX/XXXX explained the confusion. Amazon did not credit my card, they changed their website to default to an Amazon credit and I did not notice. 

I paid the balance and closed the account in XXXX. I would like the negative credit reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I requested a security freeze on XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I requested a security freeze on XX/XX/XXXX to no avail.

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 2020-11-11 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: MD

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent a refund payment to Paypal. On XX/XX/XXXX paypal sent me an email saying that I have money in my paypal account. The amount should be around XXXX, neither organization has specified amount. I've tried to contact them to no avail. My account was closed when I notified them that a transaction was fraudulent after getting an email that a purchase had been made on my account. I contacted them to let them know and they said that the email must have been a scam, then my bank contacted me and I let them know that the transaction was fraudulent. Paypal then deactivated my account and I told them to close it. I have no access to this account now and can not reach them by phone. I've tried the resolution center but it just sends me over to activating an account and adding credit card information. I don't want to add credit card information, I want the money that was sent to them as a refund to me. 
They sent me a 2020 statement, I checked XXXX and XXXX and there was no money for either month. The money was sent to them on XX/XX/XXXX and they acknowledged on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call transunion. When I call XXXX XXXX  XXXX or chat with XXXX they said it is up to trans union to update when i call trans union they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXXXXXX and XXXXXXXX is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXXXXXX have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXXXXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from Trans Union, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and Transunion , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.

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 2020-11-11 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
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 XX/XX/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 o utlining 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 XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-11-11 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
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 XX/XX/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 o utlining 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 XXXXXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I received a letter in the mail from professional account management LLC dated XX/XX/XXXX on behalf of the city of XXXX. It is a notice with the citation number for a vehicle I do not have any more the issue date is XX/XX/XXXX. I never received a citation up until this notice. The letter states the original citation fee was {$52.00}. The current amount due with a {$90.00} penalty is totaling {$140.00}. I reached out to this company professional account management disputing ever having received a notice as well as the penalties I was told that as of todays date XX/XX/XXXX that there was an additional {$20.00} added to the fee that I was just notified of XX/XX/XXXX. Although the notice says the amount due is XXXX when I called I was told the debt had now invited an additional {$20.00} in less then a month later from the first notice I ever received. for over a year old debt to only have accrued {$90.00} penalty XX/XX/XXXX and for me to be calling XX/XX/XXXX having an additional {$20.00} seems totally illegitimate. I dont mind paying the citation of {$52.00} but since I never got previous notice of his debt up until last month I do not agree with paying {$90.00} nor {$120.00} penalties for notice I never received. on top of the fees being inflated at 150 % of the original cost of the ticket.

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