vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I moved in XX/XX/2018 to a new address and asked the company to transfer my account to the new address. The account was transferred to the new address but the terms of the contract were not the same. The company tried to change the terms to suite there needs, and gave me less than I signed up for. I refused to bow to their terms and cancelled the service. All current fees were paid on time and all equipment was returned.

These fees they are requesting are fraudulent because they broke the contract.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax Collection Account Numbers : XXXX {$100.00} XXXX - {$85.00} XXXX - {$57.00} XXXX - {$60.00} I have written Equifax asking for validation or deletion of these accounts and have received no response in over thirty days. 

The accounts named above are shown on my Equifax credit report as collections.

On my credit report the entries have ZERO contact information and don't even show who the creditor is I want them to tell me the name of the creditor responsible and provide validation of the debts, so that I may investigate. I believe they are from a collection agency that I disputed successfully in the past, and they have surreptitiously re-inserted the information, leaving out relevant identifiers. 

As I stated, I wrote them to dispute the information but as I stated I have gotten no response in OVER thirty days, which is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Repeated phone calls at my place of business after telling XXXX of mariner finance in XXXX to stop calling at my place of business and that it jeopardizes my employment. As well as stating that he would take me to court and sue 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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: IN

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
There is a balance of {$16000.00} owed to XXXX of XXXX, SC. This account was opened in XX/XX/XXXX original balance was {$570.00}. In XX/XX/XXXX paid {$30.00}. Contacted by Ms. XXXX XXXX XXXX XXXX in XX/XX/XXXX she said that a notice was sent to me I never received a notice, at that time i had a debit of {$30.00} debited from my checking account and ask that the remaining balance be debited the same way, however, there was not enough to cover the draft since this is how I pay all my bills. Around XX/XX/XXXX I received a call from a Ms. XXXX XXXX stating that I owe a balance that has not been paid. Contact Ms. XXXX on or about XX/XX/XXXX stating that I missed the deadline for getting back to her to correct this issue it by XXXX that morning for she said that is the only way to stop the information from going to the county and if I did not it would cost me {$1600.00} for court fees, plus amount owed, filing fees ect. I was going to send the money to her XXXX XXXX at XXXX XXXX XXXX, VA XXXX. XXXX XXXX in XXXX, Va XXXX I called her back and told her I could not sent the money because my rent had to be paid the same time she said she would have to process the paper work to XXXX , County for complete processing and some one will either come to my residence or my place of employment to serve me information. There after I started receiving phone call from family members and people in the community saying that the FBI was looking for me concerning a Bad Check this was happening all over town and I was felt violated because I had spoken to her and let her know the reason why i could send the money at that point. Spoke to the XXXX XXXX  XXXX several times they can verify about trying to obtain a nother number to locate this collection company but they said this is all they had. The files were being sold to diffrent companies always wanted to clear this up. Spoke to Ms. XXXX and she denied the it however she did give me some names that spoke to me. Ask copy notice sent to my address she said they do send copy of notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX GRANT & WEBER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GRANT & WEBER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITY BANK AND XXXX XXXX have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : Syncb/tjx Dc Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information Syncb/tjx XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, DE 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 non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number ****XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-09-18 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: IN

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company. 

I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service. 

I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At the time I applied for a Bank of America Platinum Plus credit card I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Is this lawful?

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 2019-09-18 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : XXXX XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Jpmcb Card Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXXt XXXX. 
Institution Information Jpmcb Card XXXX, DE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
To whom It may concern I am late 3 payment so far as Im unable to use my account do to that someone hacked my account and some one used my account debit card to make purchases I already reported as fraud and also reported to the authorities. The investigation is still pending and can take up to 90 days or more this has caused me to not used the funds that I have untill the investigation is over with and. Ow Im at a risk of having a foreclosure with my property i called Mr Cooper since the begging of this frauds and they were aware of it. Even tho they knew they still went ahead and started a demand letter with a default date of XXXX XXXX or XXXX to make a payment to avoid from been 3 payments late I told the lady I would do it as soon as I can get funds out to make a payment to void form been 3 payments one more and I loose my home by mr Cooper initiating a foreclosure against me it dad because and frustrated because mr Cooper knew about the situation and did not wanted to wait untill investigation is finished. 
I dont want to loose my home and I want to keep my home. As soon as this problem Is resolve I hope to go back on track and at least avoid from Getting more past due right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
I inquired about refinancing my auto loan with auto pay back in XXXX of XXXX and did not go through the process. 

They re-shared my information without my request, approval and consent with other creditors including XXXX on XX/XX/XXXX, resulting in unsolicited and unproved credit inquiries. 

I contacted XXXX which directed me to XXXX which directed me to auto pay. XXXX XXXX from XXXX gave them the information for XXXX XXXX at XXXX ( XXXX and XXXX ) to address the situation. I have left multiple voicemails to XXXX on XX/XX/XXXX and have sent her an email without being able to get in touch with her. 

I had previously emailed XXXX to inquire about this issue and have not received a response yet.

Company response to consumer: Untimely response