vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 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:
I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
Convergent Outsourcing, Inc. is a collection agency based out of XXXX, Washington. I have received multiple letters from Convergent whos creditor is XXXX XXXX XXXX XXXX The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XXXX. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used XXXX. I do not have a XXXX account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted Convergent to resolve this matter however, I have not been successful. I respectfully request that an inquiry into Convergent be launched and any collection proceeding against me be stopped immediately.

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove it.

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 2019-10-09 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: MA

Complaint narrative:
On XX/XX/19 at approximately XXXX I went to logon to my Equifax credit freeze to unfreeze my credit. It would not recognize my name and/or password, which I used successfully in XXXX. I requested an email. Which I never received. I had to go onto live chat because I could not find phone number on their website. I was told to call an XXXX number, which I did. After going through the authentication process ( which, thank goodness, I passed ) I was told I had no account. I said yes, I do, I have a name and a password to freeze/unfreeze my credit.. They asked me if maybe it was with another credit bureau. I said I did have a freeze account with them and the other two major credit reporting companies. After some back and forth talk and me not conceding to the fact I didn't have any kind of logon info I was told that I had unlocked my credit in XXXX, which I had. So, yes I had a freeze pin number. It was also suppose to be a temporary unfreeze. So I wanted to freeze my credit at this point because I have no faith in this company. That is when she tried to sell me a paid credit monitoring account with Equifax. I just want to freeze my credit. So she said I had to make a new account because the website had been updated. What? At this point I am now doubting myself and everything I have done so far to get to be able to be in control of my account. I hung up. This is ridiculous that these companies have so much power over us and our life fiances. It shouldn't be this difficult to try and keep your life savings secure when you don't even have any say in these companies having your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: NY

Complaint narrative:
I was notified by Synter Resource group on XX/XX/2019 regarding an alleged debt. I have reason to believe I do not owe this debt because I have never conducted business with XXXX XXXX XXXX  XXXX, XXXX. I have never received a bill, nor an email. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in New York. 
I notified company within 30 days of being notified about this debt, and expressed they must cease attempting to collect this alleged debt until after they have provided the requested information. They refused to supply the information in writing and instead stated they are unable to do so and can only communicate via email. 

I notified XXXX XXXX XXXX XXXX myself and was told that the debt is not mine, that it was a mistake, and they have rectified the account. Synter Resource group continues to contact me via email that I owe a debt that is collecting late fees and interest after I notified them in writing to cease and after XXXX XXXX XXXX   XXXX rectified my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
XXXX XXXX, XXXX is a collection agency based out of XXXX, Washington. I have received multiple letters from XXXX  whos creditor is PayPal , Inc . The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XX/XX/2019. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used PayPal. I do not have a PayPal account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted XXXX to resolve this matter however, I have not been successful. I respectfully request that an inquiry into XXXX be launched and any collection proceeding against me be stopped immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove it.

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 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2019 I made a {$3000.00} payment to a mortgage loan to pay just to the principal of the mortgage loan. As of today, XX/XX/2019 the payment to the principal has not posted. This was made to US Bank in XXXX Wisconsin. I have called several time directly to the bank and continue to be told this will take several days. I then called the corporate office and was told the same thing. I am paying interest daily on the mortgage. Years back the money was posted to the account that day or the next day. This is the tech age and should not take this long. Please help. I did call the phone number for banking complaints and was told I need to submit online so here you are. The {$3000.00} is a high amount of money for me and need some assistance.

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 2019-10-09 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX inaccurately identified that my mortgage account went into foreclosure. I was in the process of a loan modification ( HARP ) and then decided to sell, as I was closing on the sale, they misidentified the account as in the foreclosure process and have consequently added this to my credit report which is adversely affecting my ability to obtain a mortgage.

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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am receiving frequent phone calls from chase card services at the phone number provided. Today I contacted the caller to request the stop harrassing me, and the representative refused to remove me from his system without me providing identifying information despite my numerous requests not to be contact on top of advising him it was harrassment. 

Today XX/XX/2019 I have received four phone calls from chase card services at XXXX. This calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Yesterday on XX/XX/2019 I received five phone calls from chase card services at XXXX. These calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning 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 non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX  XXXX XXXX, XX/XX/2019

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 2019-10-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
COMENITYBANK/VICTORI Inquiry : XXXX XXXX, XXXX COMENITY BANK/VCTRSS Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
On XX/XX/2019 I received repeated calls from the following number concerning debt collection of a previous apartment payment. Two calls were received during work hours and another received around XXXX XXXX  when I returned home. Myself, family members as well as significant other was contacted by the debt collection company. When I answered at XXXX XXXX I was told that the company had acquired my debt and they needed a payment today or else my file would be marked as refusal to pay. I explained the situation to the representative on the phone and the call was escalated to a supervisor. The supervisor placed the file on hold and gave me time to contact my previous leasing office to verify the debt. I was told I had until XXXX XXXX on XX/XX/XXXX to give an update or my file would be marked as refusal to pay and my credit negatively affected. This morning XX/XX/2019 I had contacted my previous apartment and they had verified the balance as well as that the balance can be paid through the apartment company. I requested an e-mail correspondence of the charges as well as an other correspondence had with the apartment complex. When I contacted the debt collection service for the requested update I was told that I had taken bad advice, I had continued to take bad advice and that I need to resolve the issue today I then requested a debt verification letter to be sent to my address to verify the debt collected, they current owned that debt, and secure ways of payment and to confirm overall legitimacy. The representative was unable to answer many of my questions and had outdated information regarding my file. I was accused of trying to not pay my debt and told the call would be escalated if I did not comply. He said he was one of the nice guys, he already spent 9 minutes on the phone with me and refused to play this game with me. I could pay the debt now or he would end the call. The call was escalated to a supervisor who questioned why I could not pay my debt. I voiced concern that I could not pay today however wanted to receive written confirmation via a debt verification letter of their overall legitimacy. I was told that I had already received verification from the apartment complex and waiting would only add more to what I owed. They would continue to add 6 % interest on my debt until paid. It was also stated that the reviews I read where just people who owed money and will only be negative reviews. After much back and forth the call was ended and she placed my file in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I got a mail from " Credit Collection Services '' regarding to a bill from " XXXX XXXX '' with XXXX unpaid bill on XX/XX/XXXX. The file number is XXXX XXXX XXXX. And the DOS is XX/XX/XXXX. 

Since I never use this service and can't recognize the bill, I wrote a certified mail to " Credit Collection Services '' on XX/XX/XXXX to ask for verification of this debt. However, I didn't get any verification of this debt from Credit Collection Services at all. Instead, this company keeps on sending mail for the debt and report this debt on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was charged {$150.00} for an ATM withdrawal fee on XX/XX/2019. Chase Bank 's policy for Sapphire checking customers is to reimburse ATM fees. The receipt I provided to the bank clearly states the transaction was initiated on an ATM, was a debit transaction, and a fee of {$150.00} was charged. Chase Bank refuses to reimburse the fee, which is a violation of the bank 's terms & conditions of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENTAGON FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
To whom it may concern, The XXXX XXXX that I leased for 36 months was turned in to XXXX XXXX XXXX on Wednesday XX/XX/XXXX. There were some additional items that I did not agree found during the final inspection that had been done weeks earlier. The Sales Manager XXXX XXXX assured me that he would take care of those discrepancies, which he did, and I walked away from the car. I have leased many times in the past and that was all I ever had to do when the car is turned in early and well under the mile allowance, I have always had great customer service from them. Some weeks later I got a call from GM financial saying I still owe for the vehicle, yet I hadnt received a final bill. The agent stated an amount. I disagreed with the amount stated because XXXX XXXX assured me this was all done with a XXXX  balance. I figured it was a slip from communication from the Dealer to GM Financial. I then had XXXX XXXX call again to see how much the balance was because I knew there was still the matter of a disposition fee. I was right there and listened to the conversation. He was told XXXX balance. The person he talked to was XXXX at extension XXXX. She also said that the final bill was not generated yet and I will be receiving one soon. So Again, I was expecting a bill for the disposition fee. On XXXX, I sent a payment of XXXX to Gm financial. This was the Disposition fee. This was, I was told, The last obligation of the lease. And they said that the derogatory remarks on my credit report would come off. It was strange it took this long to figure it out, but again, I thought it was just a time factor. My biggest concern is that my exceptional credit record of NEVER missing a payment of my thirty plus years of credit record, that GM Financial by no fault of mine can damage my character by reporting that I have missed a lease payment that was not due to them. I have made numerous attempts to right this. I have been told by both the dealership and GM financial that there was a zero balance. 
Since my numerous attempts to right this have failed, I have since involved the Better Business Bureau.. I was hoping that this would get resolved before incurring the added expense of my Attorney. Be assured, my confidence in ever purchasing or leasing a vehicle through GM has been tarnished. Unfortunate, because I really did enjoy the car and the customer service provided by the Dealership. Also, I have made numerous attempts requesting a supervisor to contact me. None have. I would appreciate a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.

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