vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 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: I.C. System, Inc.
State: FL

Complaint narrative:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I didnt know about this debt or anything. I tried to find out and was rude to and hung up on. I want this off my 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 2018-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.

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 2018-01-21 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
National Credit Systems persists, after several years, to erroneously report fraudulent information provided by a landlord. Regardless of documented proof, co refuses to address matter. Have made multiple attempts to resolve via phone and mail, just do n't have time to go to court over {$130.00} -- but this unwarranted black mark has had, and continues to have, a substantial impact on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I tried to find out about this charge with no luck. I 'm not sure why this was n't sent to my insurance company if this is for me..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been reporting unauthorized and fraudulent inquiries. Someone has been using my name, social security number, and personal credit reporting information to apply for goods with banks.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV

Complaint narrative:
On XX/XX/17, I sent a certified letter to ( XXXX ) XXXX XXXX XXXX, in regards to an alleged debt that I owe. I do n't recognize this debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. I received a letter back, showing a total of 3 different accounts from XXXX of Nevada, I have no idea who they are!!! I asked them for written validation of the debt reporting on my credit bureaus for {$36.00}. Now this letter is showing 3 accounts, {$36.00}, {$19.00} and {$19.00}, the letter states all 3 accounts are delinquent and may have been reported to the credit bureaus. I still have n't received the written validation for the alleged debts. In addition, ( XXXX ) XXXX XXXX XXXX has reported this alleged debt of {$36.00} to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of 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
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit.

FRAUD INQUIRY ON XXXX BUREAU -XXXX XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX - XX/XX/XXXX FRAUD INQUIRY ON TRANSUNION BUREAU -XXXX XXXX XXXX -XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.

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 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit. 


FRAUD INQUIRY ON EXPERIAN BUREAU XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD INQUIRY ON XXXX BUREAU XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.

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 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I visited the New Jersey Lottery District Office at XXXX XXXX XXXX XXXX XXXX.I met with Deputy Director of Security, Audit and Licensing XXXX XXXX to discuss a review of case # XXXX aXX/XX/XXXX registered claim. XXXX XXXX informed me that after the New Jersey Lottery makes a payment any concerns involving law enforcement of crimes targeting a lottery winner are not theirs and to obtain an attorney. My XXXX XXXX  dollar cash payment was deposited in a Capital One 360 Checking account before being transferred to XXXX XXXX XXXX  because of account balance errors with pending or posted transactions. The XXXX XXXX XXXX account it was transferred to has a XXXX records request case number XXXX and Consumer Financial Protection Bureau request case number:XXXX. The Office of the Comptroller of Currency complaint case number:XXXX response suggested if I wish to pursue the issue to retain an attorney. However on XX/XX/XXXX a representation request to XXXX and XXXX my family attorney was declined. So I am undertaking account record recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

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 2018-01-21 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

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 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Collection Agency SECURITY CREDIT SERVICES {$1700.00} this account is fraud and I want it removed. As I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other 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: Genesis Credit Management, LLC
State: WA

Complaint narrative:
X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. 

According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. 

Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. 

Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. 

In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Was a victim of Trans Unions Inquiry Issue and now have inquiries on my report that do not belong, customer service would not take care of it. The following inquiries should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I transferred money to two recipients via paypal. After I transferred it, choosing the paypal option that does not charge fees, my recipients notified me that they received notification that they would be charged 4.5 %. I contacted paypal and they have walked me through a resolution. Since I disputed the event, they transaction would not go through to the recipients, but the money would be transferred from my bank to my paypal account and then I can transfer it back. This will take a full 5 days however. and in the meantime, my recipients will not receive their money until I reprocess the transaction. I am attaching a file that indicates what is wrong with PayPal 's workflow where an additional " purchase protection '' selection charges the RECIPIENTS a fee without disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
From XX/XX/XXXX, since I started to enroll in the XXXX, so I was deferred from the monthly student loan payment. However, last XX/XX/XXXX, I wanted to pay at least interest only for the loan without principal even under deferment, so the interest wo n't accrue. But the payment that I wanted to make was not able to go through via NAVIENT online. Each time I click, " submit '' my payment, the message pop in saying " You have an issue in your bank account, we have received returned your payment, check and get a verification letter from your bank. '' Thus I visited my bank and found no issue on my account. My bank gladly wrote a letter about my bank account has been valid. The letter was faxed, mailed to the fraud department of NAVIENT on XX/XX/XXXX.

I also called to NAVIENT to speak this issue and ask them to resolve, so I can make a payment. However, the customer service ca n't do anything for me. They ca n't receive my payment over phone directly by customer rep. Each time I called, customer rep only able to transfer my calls to fraud department. But the fraud department would never receive my calls and try returning to my calls after I leave messages. I wanted and still want to make my loan payment interest, so it wo n't build up like snow ball. But NAVIENT negligent to cooperate with me, hindering my payment process. I also attach the letter from my bank here to help your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge ofXX/XX/XXXX navy fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge of XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

Company response to consumer: Closed with non-monetary relief