vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX ( Sunday ) American Express called me 5 times to collect a debt, these calls have continued at a maximum of 10 calls per day from number XXXX after requesting that the calls stop and that the debt would be taken care within the next week, the debt collector proceeded to contact my employer 4 times within 5 hours revealing that they were collecting a debt and from what company they were from. When leaving work I received written notes from all the calls from American Express. The company has violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: CA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX collection account no. XXXX is inaccurately and wrongfully re-aging the date of first delinquency on their acct. on EQUIFAX BUREAU. 
I have attached the exact same evidence XXXX saw to delete " for the retention period ''. 

10 days from today the 7 year retention period ends.Equifax in their most recent CFPB complaint ( attached here ) did not investigate as XXXX has done.This will not bode well for Equifax in court when the judge and jury is awarding punitive damages for more than 50 fraudulent verifications- ( according to the lawyer creditors ) XXXX  Legal did not consult their creditor for removal because sufficient proof of the re-aging was supplied here just as you have before you today.

So if not removed from EQUIFAX BUREAU BY XX/XX/20 please send a {$10000.00} check for damages.This is the max.limit small claims damages in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has continue to report this loan even though it was discharged under bankruptcy chapter XXXX back in 2013

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 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/2019, FirstBank PR blocked access to my accounts, which it marked as overdrawn due to a disputed transaction. In doing so, they would not allow me to view my online statements. 

FirstBank PR did not mail physical statements for the account. 

In violation of the Truth in Savings Act, FirstBankPR will not provide access to the last 18 months of statements. 

In addition, I made a deposit by mail of {$20.00}, but FirstBank PR failed to credit the account. 

Finally, because FirstBankPR failed to provide access to the statement, I could not dispute transactions in a timely manner which would have cured the alleged overdraft and would have entitled me to a reimbursement of the erroneous overdraft fees. 

FirstBankPR owes me in excess of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX XXXX  for {$3000.00}.

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I called USAA to reach a representative The Automated Voice Line always answers. This automated line responds to my TV in the background ALL THE TIME sending me WHO KNOWS WHERE AND AUTOMATICALLY DOING WHO KNOWS WHAT. Clearly, USAA should be held accountable for their automation issues. I confirm, I spoke to USAA XXXX XXXX, requesting she remove my SUNTRUST PROFILE INFO AS I WILL NOT BE MAKING ANYMORE PAYMENTS. and Payment was Made. Jury would have no trouble drawing their own conclusion to JUSTICE and so should USAA. USAA STOLE MY SOCIAL SECURITY MONEY FOR 3 MONTHS. In addition USAA COLLECTS ON CARD XXXX I DEMAND PROOF OF ACTIVATION DONE BY ME THAT IS IN MY POSSESSION. WHAT DATE AND HOW WAS IT ACTIVATED.? And in Addition USAA HAS NO RIGHT TO ** DENY ME THE RIGHT TO REPORT IDENITITY THEFT. USAA IS VERY DISHONEST AND PRACTICES ABUSE OF POWER. I WANT TO SEE USAA FRAUD INTERNAL CREDITS APPLIED TO MY BALANCE THAT ARE HIDDEN FROM ME. I MUST ACCEPT THEY ARE RIGHT WITHOUT SHOWING FINANCIAL PROOF Temporary Credits USAA mentions WERE NEVER MADE PERMANET OR ADDED TO TOTAL CREDITS for this period on truth in lending statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX has continue to report this loan even though it was discharged under bankruptcy chapter XXXX back in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX financial for {$3000.00}.

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 2020-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX financial for {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, XXXX and Experian still continue to report this account on my credit report as accurate when in fact it should be removed. 

XXXX attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed 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 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX 2020. I got a call from Usaa XXXX representative alerting me about suspicious activity on my account saying that was breach to my account using my XXXX address login in on XXXX device and making some transaction made with " XXXX '' XXXX telling person on the phone that my account was compromised and that wasn't me disputing all activity, transaction or even possessing same XXXX device and making transfer of {$10.00} and {$1000.00} thru " XXXX '' I'm reporting fraud and asking agent to lock my checking account, she told me If i do that i need to change my all credentials which I did same night. Next day on XXXX XXXX I'm going to Usaa bank to talk to Usaa representative but i found my self in office with computer and phone that i can use to " talk to '' someone .I did talk to XXXX XXXX XXXX on the phone and she also told me that XXXX is still connected to my account and she will remove it and they agents will investigate my case. Next days I been on the phone hours with multiple usaa agents been transfer from XXXX department to another leaving numerous voicemail to agents that they supposed to talk to me asap assigned to my case witch they never get back in contact with me. I found denial letter on XXXX that i couldn't get excess until XXXX because my online account been suspended or locket again. In same letter said my claim submitted on XXXX been denied because they investigation shown no fraudulent activity found. XXXX closed. 
Today is XXXX XXXX spend XXXX hour on phone to get copy of documentation doing investigation so i can file report to police they told me I can get them by XXXX. and if i want to denied they decision i need to send proof of identity theft. They are so unprofessional and not organized. My husbands XXXX account been compromised same day with same XXXX XXXX but he got his money back and his problem was solved by XXXX representative same day. No problem no investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
LOAN : XXXX XXXX County SunTrust Mortgage was PAID XX/XX/2006 - the Mortgage was sold 16 Years ago. 
SunTrust Has failed to File a satisfaction and release for 16 Years ago and should be fined for damages. Any lender which has sold the Mortgage and it's NOT even the servicer, must file a satisfaction and release within 30 Days. 
SunTrust Mortgage should have satisfy : Upon full payoff of the mortgage from another, and here with I the mortgagor demand of the mortgagee that satisfaction be recorded. The mortgagee had 60 days from the date of the sale without recourse to comply, or face liability. Marginal Satisfaction : Not allowed. 
SunTrust Mortgage should face penalties and In the case of a civil action arising out of the failure of the mortgagee to properly record, within 30 days of demand, a satisfied mortgage, the prevailing party shall be entitled to attorneys fees and costs, and shall be guilty of a misdemeanor of the second degree. 

Once a mortgage or deed of trust is paid and sold, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property. 

The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction. 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. 
Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. A satisfaction is where the former holder of the mortgage records and files with the office of the clerk a satisfaction on the face of the the recorded mortgage, which is attested by the clerk. 

SunTrust Mortgage was paid 16 Years ago, does not have a mortgage or note. 
The recording of a satisfaction is to be made forthwith or be held liable for all the damages!

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to Synchrony Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

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 2020-02-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Noticed several accounts that I have never done business with on my credit report. They list as first premiere, XXXX XXXX XXXX, credit center, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to Discover and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received an alert that I have a collection on my SSN with XXXX on XXXX XXXX, XXXX by Convergent Outsourcing. My immediate action was to check the details. The collection was referring to a XXXX account opened in XXXX, XXXX and the amount was {$430.00}. I have NEVER had a XXXX account. 

I informed XXXX right away that this is not my collection. 

I sent a complaint XXXX ID # XXXX XXXX to Convergent Outsourcing on XXXX XXXX, XXXX. 
I provided Convergent Outsourcing with my SSN on XXXX XXXX, XXXX to investigate and remove this false record I sent an e-mail requesting confirmation that they've received everything needed to work on my case on XX/XX/XXXX Since I have received nothing from Convergent till today, I sent a second complaint ( ID # XXXX ) to them on XXXX XXXX, XXXX with all pertaining facts. 

My problem is that they dropped a collection out of nowhere on my SSN, and the strangest fact is that they are collecting for the provider XXXX where the account was dated XXXX XXXX. I have never used this provider!

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 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

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 2020-02-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: HI

Complaint narrative:
I have the transcript from XXXX stating I had fulfilled my debt obligation to them. I then attached the transcript to a letter from my attorney, which was mailed to the company with no response or acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Debt Collector keeps calling me repeatedly after telling them that I am handling in person. They have called me repeatedly in the mornings as early as XXXX AND as early as XXXX on SUNDAYS!

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 2020-02-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 1 unauthorized account on my credit report that I did not authorize to be open, and did not apply for ( Barclays Bank US ). I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Barclays US to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses.

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 2020-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I attempted to pay Kohls in full beginning in XX/XX/XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XX/XX/XXXX when I ended up having to give Kohls my checking account instead of my savings account despite the reassurance from Kohls that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. Kohls told me they attempted payment so many times that they had to date the payment for XX/XX/XXXX and  that they would remove all late payments and report to the credit bureaus that the late payments were Kohls fault and they should be removed. I called again on XX/XX/2020 and Kohls told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and Kohls told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with Kohl 's obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XX/XX/XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED 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 non-monetary relief