vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Experian is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Experian is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Experian is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Good morning, We keep getting calls from a company with the name of Convergent XXXX which is a debt collection agency. The residents in our home don't have any old debt. They call daily, 2 and 3 times a day. Sometimes when we say Hello, the caller hangs up. Other times they ask for one of us using a name and when I ask what is this about and how can I help you, they hang up on me. One time I requested they send proof of this debt they claim we have and they hung up. I received a call this morning at around XXXX XXXX and the same thing happened when I asked how can I help them they hung up on me. I checked our credit reports just in case there was something on them that is making this company call us daily and our credit reports are clean and in very good standing. 

Please help, these calls are annoying. PLEASE DO GIVE THIS COMPANY ANY OF MY INFORMATION. THEY HAVE MY TELEPHONE NUMBER THEY CAN LOOK UP THEIR RECORDS WITH THE TELEPHONE NUMBER. 

Thank you

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have been disputing a collection from Rent Recovery Solutions for an apartment XXXX XXXX for months. I've written them both, the collection agency and the apartment complex, because I don't believe that this balance is anywhere near correct. I've gotten no response from either of them but the collection agency calls non stop and will not give me any info but demand payment. I called the collection agency directly hoping to get some assistance they were unable to find me in their system. I asked then how come they are calling me demanding payment, they had no explanation. I called the apartment complex and spoke with the leasing manager. They had no record of me and no record of the collection agency either. This has been on my credit report XXXX of XXXX and I've been disputing it since XXXX of XXXX with no results what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: UT

Complaint narrative:
Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union  sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is trying to collect money that I never owed them. I had a credit card with XXXX XXXX XXXX-original acct # ( XXXX XXXX -There # XXXX acct was charged off to a XXXX balance by XXXX XXXXXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and XXXX XXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this XXXX XXXX. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is an ongoing issue XXXXLoan Depot Refuses to take reponsibility for there incompetence .I was led to believe my monthly mortgage payment with escrow account would be {$1500.00} .They had all documents including Ca .Fair Plan insurance  and failed to add to amount Two weeks after closing I was contacted by Ca.Fair Plan to pay {$1700.00} now or be cancelled .I assured them this was to be included in my new loan! Thats how I found out they had not include this in escrow .Great no fire insurance! Is this even legal to fund a house .Our agreement was OBVIOUSLY to have this included with taxes and other XXXX XXXX, again they had ALL documents in their possession ( XXXX XXXX was managing this transaction ) They say not their problem .Fraud or incompetence .Math  360x {$140.00} = {$53000.00} .Presently I am on fixed income, this was not calculated into my monthly bills.I am only asking to be treated fairly .This was not my mistake but Loan Depots.I am only asking to be treated fairly .I believe it wouldn't be so hard for them to adjust interest rate to compensate for this to keep my payment at agreed upon amount. {$1500.00} per month.I believe Loan Depots incompetence and may now be considered fraud and should compensate ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Email and phone threats about some many many years old interaction with a payday lender Speedy Cash for amounts I do not owe. Have received scam calls and now scam email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : THESE NAMES DOMNOT BELONG TO ME Names 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 Addresses THESE ADDRESSES DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, NY XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX # XXXX  XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: WA

Complaint narrative:
On 2 occasions, I tried to unfreeze my credit on my.equifax.com and the unfreeze failed and the website required me to call in. The first time in XX/XX/XXXX, I called in and encountered a massive queue, apparently not enough operators and no automatic option. The second time, XX/XX/21 I had success with an automatic system, but it took an unacceptable 45 minutes. After, I connected to the website call queue and quickly got a nice guy who informed me their website were having maintenance issues on both occasions. Additionally, the website had incorrect state info about my account and requests-data corruption? 
Unfreezes need to be seamless and Realtime so Credit checks can be seamless and Realtime. In both cases I am purchasing vehicles in a hot market,  and I can't wait a day while one credit check company with a history of breaches holds my precious pii and has maintenance issues with their systems. I don't have issues with XXXX XXXX or XXXX, but I can't choose not to use equifax, or tell auto loan brokers to not use equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; TD RETAIL CARD SERVICE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : TD RETAIL CARD SERVICE XX/XX/19, XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Greetings, PayPal froze my account with {$1700.00} For no reason. I can not withdraw funds to bank. 

My account Id. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I disputed this account repeatedly and it was removed from my credit. This month it is back, with the same company. This is a violation of the FDCPA and FCRA. They removed the inaccurate item from my credit, only to reinsert it 1 month later! This has caused damage to my character, my credit, and my self esteem, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Why would I subscribe to your services when you have already submitted a credit report that has ruined my credit limit. If I been on your files since XXXX you should know that I have lived at my present address since XXXX. The one address you reported XXXX XXXX XXXX was my parents address. The rest are bogus addresses. You don't have any employment info, I worked for XXXX in XXXX, XXXX for 27 years. The JPMCB Card Services is something I know nothing about. I don't know where you dig up your information but obviously you don't do a very good job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
My phone was stolen and when I got it back I went to log into my account at crypto.com and it said my account had been terminated due to breach of contract but yet I have not done anything at all and turns out there is not even a single person to speak to about it they keep transferring me to Visa and Visa keeps transferring me back to them they just closed my account and took my {$1500.00} and now they are saying that they didnt take it theyre just closing my account and theres no way for me to get my money back I asked for proof of whatever I did for them to cancel my account and they said that they do not need to show me that I am a XXXX  XXXX XXXX  with XXXX  XXXX XXXX XXXX and that is my rent money please help 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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One refuses to raise my credit limit because I'm XXXX. I complained before in greater detail, the situation has not been resolved so I'm complaining again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve Companies : American Express XXXX. XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I have a collection reporting to my credit report that is not mine and fraudulent. This company has made may reports to my report please see the time line below. 

XXXX I was alerted by Ability Recover Services LLC that I have a debt dated XXXX 
XXXX Ability Recover Services LLC reported to my credit reports as derogatory ( they did not give time to validate ) XXXX I sent a letter ask for validation of the debt, as it is not mine. I still have not received a response. 
XXXX I sent a letter to the Credit Bureaus asking them to validate the debt. No response. 
XXXX Ability Recover Services LLC reported to all of the credit bureaus as a major derogatory ( I still have not received verification of it being my debt ) XXXX I sent a 2nd letter to the Credit Bureaus asking them to validate the debt.

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