vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from 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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this as I have been a loyal and long term customer of Kohls since XXXX. I have achieved a most valued customer status over the years for all the good business I believe have brought the company. I work in the medical field and XXXX have brought a different amount of stress, then factor in an unexpected, but the biggest blessing by far of XXXX. As the new year had come in, with a XXXX and managing to work through all the responsibilities of being a XXXX mother, it was brought to my attention that a Kohls payment had been missed. The soonest that I found out about it, I immediately paid it all off for {$190.00} which included all the fees. My concern and the reason for reaching out is because of the new family my husband and I are trying to raise, we are looking to purchase our first home. With the XX/XX/XXXX ( 30 ) day late penalty that was placed on my credit profile by Kohls, my FICO score have decreased over 100+ points. I have reached out to Kohls, but unfortunately there was no success. I must say that it was very disappointing given all the years I have been a loyal customer to them. I was hoping that my loyalty would be valued even just for this one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding On XXXX2021There have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
PARAMT REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
I XXXX XXXX has found that Experian has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Experian that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Experian nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Experian through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX. Legally I must send in a legal document stating that I am allowing permission but I never did and Experian does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
On XX/XX/2021 I received notifications that transactions were being made on my td bank account, I immediately called and spoke to customer service and was told that because the transactions were still pending I could not do anything about the fraudulent transactions. 
XXXX  days later the charges were processed and no longer pending, I went into my local td bank and asked for the charges to be disputed and to receive my new debit card. A few days later I received a letter stating that the transactions were investigated and that there wasnt any fraud that occurred. I have asked numerous time since in emails and via customer service for the information that was used to make this determination, I still have not received this or any explanation, I have also asked for these charges to be disputed and investigated properly. These were fraudulent transactions that were made from my account to different XXXX  in the amount of {$600.00} dollars. I have also made a police report after I received the notifications about these transactions. Td bank has not been any help to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
My account was accessed while I was XXXXXXXX from XX/XX/XXXX til XXXX  XXXX of this year. Someone that I know assumed my identity and changed all of my login information so they could access my stimulus and other money from my account. I never gave power of attorney and have filed a formal complaint with identitytheft.gov. This person essentially has stolen close to {$5000.00} from 3 of my accounts. My XXXX, Chime Bank and my XXXX XXXX accounts. I have a paper trail that outlines unauthorized transactions from the entire time that I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Equifax has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Equifax that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Equifax nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Equifax through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX Legally I must send in a legal document stating that I am allowing permission but I never did and Equifax does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX XX/XX/2017 which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Checksystem has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Checksystem that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide XXXX nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Checksystem through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX or Checksystem. Legally I must send in a legal document stating that I am allowing permission but I never did and Checksystem does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report Checksystem & XXXX XXXX which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
They rearrange transactions to charge fees. I had a deposit entering the account they rearranged transactions to charge me not one but 4 fees when the deposit that hit the same day would have covered them all and left me with a positive balance. They have done this multiple times but this is getting ridiculous and its every since bbt took over. I have my card locked and they will let stuff go XXXX if even if its locked.

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 2021-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I bought a car ( XXXX XXXX XXXX XXXX from XXXX. XXXX was Bridgecrest.I made my first payment on time to the address they gave me in XXXX, Az. Got a collection call that I was late. Sent proof of that check but was told it had to go to XXXX. I stopped pymt ( {$30.00} ) they were to reimburse me. Never happened. 
All pymts made after that. XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XXXX. ( XXXX XXXX XXXX XXXX They sent payoff to Bridgecrest ( $ XXXX  ) Bridgecrest said they never received it. They were told by Bridgecrest to send it to XXXX. Collection calls continued ... saying they will report me to credit bureau. Then I called them again and they said they have the check for payoff but it was {$120.00} short. XXXX in XXXX mailed them a check overnight for {$130.00}. This was XXXX ... XXXX XXXX is finance at XXXX ... XXXX The account with Bridgecrest still shows delinquent. No one can tell me if they got the {$130.00}. Check ..mailed to XXXX, Az. 
The contact person at Bridgecrest XXXX XXXX. 
Communication with this co. Has been hell. Threats to report me as delinquent, adding more interest. Checks still not applied as of today XX/XX/XXXX ... XXXX XXXX When I call the number for Bridgecrest, I get collectors. Not nice people at all. I have been harassed, humiliated, and now my credit may be ruined. They have the money for payoff ... in XXXX, Az. They say I cant talk to none in Accounting So I have no recourse other than to file a complaint. I will sue them if this goes against my credit. I sent them the tracking numbers, the check numbers from XXXX XXXX in XXXX. Need help. This company Bridgecrest has many complaints listed ... I wish I had checked before. This is XXXX finance company. My credit score is XXXX. Not bad. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XX/XX/2021 Capital One has been attempting to collect a {$500.00} credit card debt from me that is not valid. Capital One has also violated my consumer rights by sharing my private information. Also i have been charged interest which is another violation of the Fair Debt Collection Practices Act. I've attached a document showing the violations committed by capital one The following violations have been done here : 15 usc 1692 ( 5 ) 15 usc 1692f ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card. 

Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation. 

Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card. 

This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month. 

We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company. 

We have spreadsheets and documentation we'll gladly share to support our issue.

Company response to consumer: Closed with explanation