vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.

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 2020-12-03 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
After reviewing my consumer report, I identified a discrepancy with an account listed under Convergent Outsourcing XXXX this alleged debt was furnished from another third-party debt collector by the name of XXXX XXXX in which, the item was removed from my consumer report based on reinvestigation which is conclusively an admission of guilt pursuant of the FCRA and FDCPA. 
As a consumer, Convergent Outsourcing is reporting false and inaccurate information to various consumer reporting agencies regarding an alleged account ( XXXX ). Furthermore, just to provide clarity on this alleged debt I was notified on XXXX XXXX via email from XXXX XXXX introducing the company and explaining that they had taken over an account with the claim that my current balance was { {$510.00} } ( 1 ) I have never owned any alleged account ( 2 ) I have never provided written consent to be sent to a collection agency ( 3 ) I have never received any validation documents from Diversified Consultants/Convergent Outsourcing because neither account is mine ( 5 ) I have never agreed to XXXX XXXX or Convergent Outsourcing furnishing information. 
At this point, XXXX XXXX was clearly removed from my consumer report and I expect the same results with Convergent Outsourcing because the information exhibited on my consumer report reflects another attempt to collect the same alleged debt, This is clearly a violation of 15 U.S.C.1692c ( a ) by attempting to communicate with me about a debt without my consent. In addition, Diversified Consultants and Convergent Outsourcing are in violation of 15 U.S.C 1692d ( 2 ) in which, XXXX XXXX and Convergent Outsourcing have continuously engaged in conduct to harass me in connection with the collection of an alleged debt that isnt mine by utilizing obscene and profane language, Furthermore, XXXX XXXX and Convergent Outsourcing are in clear violation of 15 U.S.C. 1692e ( 10 ) in which, their attempting to utilize deceptive practices to bill consumers and fail to accurately clarify the misrepresented information and attempting to use false legal notification as a means to collect or attempt to collect any alleged debt. In addition, to 15 U.S. Code 1681s2 In closing, please reply with your response via US Mail. Do not contact me by phone as it is inconvenient. Do not contact my family or acquaintances in any manner. Please note that I am fully prepared to pursue my rights as a consumer for the damages, mental anguish ( stress ), and losses to me due to this account not being mine ( declined and decreased credit ).

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Its been seven years for my santader loan shows like its been late in 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, 2020 Paypal closed my account with no notice. I don't use the account regularly and there haven't been any receive money transactions in over a year. 

There is a balance of {$8900.00} that Paypal says they are holding. 
There is no chance of chargebacks because there were no invoices paid/ money received on this account. 

I want my money released to me immediately as there is no reason for them to hold it. They say they will contact me in 180 days, however I have heard that Paypal regularly takes the money and does not release it. 

It is the holiday and a pandemic. This account has not violated any use policies and there is no chance of chargeback. 

Funds should be returned immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so sick of dealing with Experian and its competent representatives regarding these fraudulent accounts. I am requesting for Experian to permanently remove and block these fraudulent accounts immediately upon receiving my police report and Identity Theft report. 

I did not open these fraudulent account and someone stole my identity and opened these fraudulent accounts. Please block and remove these fraudulent accounts immediately : 1. XXXX/XXXX  Account # : XXXX 2. XXXX/XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX/XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : 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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent XXXX multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX | XXXX BALANCE : {$2400.00} 2. XXXX | XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX | XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX | XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX | XXXX BALANCE : {$3300.00} 6. XXXX XXXX | XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} XXXX. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX/XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
Card was canceled because it {$180.00}. Fraudulent charges new card issued to me. Notified by letter {$180.00}. Would be credited to my car on XX/XX/XXXX. Every time I call to tell them the money is not on my card. They tell me wait 3days, today is XX/XX/XXXX still no transfer of funds. Today they again said money is on old card. I am still waiting fir funds.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was contacted by XXXX XXXX & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. XXXX Experian has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with XXXX XXXX to make the address correction ( I live in XXXX XXXX ). So today I received a notice from Experian that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXXs a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
Rental recovery solutions states that I owe them about XXXX dollars. They also state that I have given money to them. All of the above is false. What happened was I left an apartment company before the lease was over. Took the company the XXXX apartment homes to small claims court and won. XXXX XXXX XXXX of XXXX XXXX district court ruled that I am not liable for any rental obligation. The XXXX apartment homes in XXXX Washington, managed by XXXX and the company rental recovery solutions both received a copy of the judges ruling. Both companies are in direct violation of court orders. The XXXX apartment homes have been notified for over a year. This ruling happened on XX/XX/XXXX. 

Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX corporate office XXXX, Washington XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX, and our telephone number is ( XXXX ) XXXX. 

I have disputed this with XXXX four times and they refuse to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank locked me out of my account and threatened to close my account in 10 days. I have a XXXX check to be deposited on XX/XX/XXXX. I can not get access to my account with Chase and they robbed me of {$4700.00}. In one day. Please help me get my money back from these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved onXX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays originally denied 2 disputes that were eventually settled. After weeks and weeks of enduring poor customer service and my needing to invest hours and hours of time, the ordeal seems to be over with refunds in my account. However, I have interest charges associated with the amounts that were disputed. I asked customer service to take care of the charges. For the umpteenth time, they are having me wait 24 -48 hours for a manager to call me to discuss it. The lunacy must end. I can not handle getting involved with any other lengthy round of circular conversations. I just do not have the time, and I should not be asked to do this! I am tired of wasting time because of their most inferior customer service!

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
Consumer complaint received 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My husband and I explained to Ally Financial, our current Auto Finance Company that we were currently having financial issues with both of our vehicles financed through their company due to Covid 19 Pandemic hours being cut at my work and my husband 's work, layoff. Ally Financial refused to listen or cared to work out a rebill or lower our interest rates in hopes of lowering our auto monthly payments for a XXXX XXXX and XXXX XXXX XXXX XXXX. They refused to listen to us. My husband had XXXX  and my job hours were cut. We really need help from Ally to assist in a payment plan to lower our auto payments in order to keep our vehicles, but instead, Ally Financial has refused to offer any Covic programs to help us. No one ask for this Pandemic! Auto and credit card companies should be more sympathetic or at least pretend to care to help individuals like us during this serious crisis.

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