vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: CA

Complaint narrative:
There is a XXXX XXXX XXXXXXXX, XXXX. / XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

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 2020-10-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a JPMCB account reporting on my XXXX and XXXX consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with JPMCB, XXXX and XXXX  and they have failed to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Spoke to representative- explained debt was not mine - offered to resolve the debt- representative would not listen, made multiple attempts to call- representative stated that would not remove resolve debt and would file law suit. Credit collection agency is not the original creditor- and un able to provide any proof of debt- signed contract. Debt is reported multiple times on my credit report by the same creditor.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have closed my business due to COVID-19. My TD Bank Business Checking account balance is at {$0.00}. They are refusing to close the account unless I show up in person in the middle of a global pandemic! Do they not watch the news? 

I have started a new job and am on a 90 day probation period and can not risk taking a day off to go to the bank to deal with this. 

I just want the account closed - it has a {$0.00} balance! 

From : Customer Service Subject : RE : SB Account Inquiry Date : XX/XX/2020 Sent : XX/XX/2020 XXXX Thank you for contacting us in regard to closing your business account. 

We regret that we are not able to close a business account through secure message. Business accounts must be closed in person by visiting your local TD Bank during lobby business hours. 

We apologize if this is an inconvenience. 

If you have any further questions, please contact us via secured message or call XXXX and enter your account information when prompted, or enter 0 and select Business to speak with a TD Bank Small Business Banking Specialist, 24 hours a day, 7 days a week. 

Regards, XXXX TD Bank On-Line E-mail Specialist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-10-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have closed the loan on XX/XX/XXXX and the credit union took out our monthly payment on the XXXX of XXXX. I have contacted them by phone on the XXXX of XXXX and they told I should receive the the refund within a couple of days. I also sent at least 3 emails to the mortgage to department and I have never had any responses. So I called the office again on XX/XX/XXXX and I spoke to a women in a different department. She was able to contact the correct department and they told her the payoff funds showed up on the XX/XX/XXXX. As of today I haven't received my refund.

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
We received a letter from Convergent dated XX/XX/2020 attempting to collect {$1100.00} for an apparent XXXX balance. We have not had a XXXX account in years and had a {$0.00} balance when we stopped using them.

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 2020-10-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive contacted XXXX, Experian and XXXX  XX/XX/XXXX, XX/XX/XXXX and Experian again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed Experian the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : Experian XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Holding my money for no reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I made a payment to Bank of America in the amount of {$12000.00} from my XXXX XXXX  account. This payment was for my mortgage for my XXXX payment of {$2100.00} and {$10000.00} to be applied to principal. ( I have been paying extra on principal since the beginning of the year. ) After the payment was received by BOA, I received a statement indicating the payment had been applied to my XXXX and XXXX payment and the balance of {$7800.00} to principal. 
I have sent several messages and made several phones call trying to resolve this issue as detailed in the attached document BOA Issue with Payment.

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 2020-10-09 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I will get straight to the point. Rent Debt is still reporting a PAID collection on my file and my husbands file two years later. This debt was paid back in XX/XX/2018 and the file keeps being updated as a paid, closed account. Please tell me what the XXXX is there to update?! Its a FULLY PAID DEBT. Ive called on multiple occasions to find out how or who I could speak with to have this removed and the response has been the same each time and unhelpful - I was told that they dont remove reports or send deletion requests/letters to the credit bureaus which is complete XXXX. They are the furnishers of this report so they can easily remove the account. A paid collection serves zero purpose on either of our reports. This account needs to be removed expeditiously - from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
BB & T mortgage lender was to withdraw or receive the monthly payments automatically from my bank account and on the month of XXXX BB & T was unable or unwilling to withdraw the amount to cover the monthly payment, never contacted me to inform of what was happening and reported to the major credit agencies the mortgage was late 30 days, where they received the total payment for the month of XX/XX/XXXX before the 30 days were late. I have tried to speak with the lender including sent letters to BB & T and report the inaccuracy to the credit agencies to remove the late payment, BB & T just reports that they are reporting the late payment as accurate without any other explanation. BB & T as a company should be treating its customers with more respect especially the ones that have been with them since XXXX without any late payments or any problems. Will never use them again and will make sure all my customers and clients know how they treat theirs.

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 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
On XXXX the first I contacted franklin collection agency to settle my collection when I contacted them they stated that the account was pending to post to my credit report they also stated that if I settled the account for 70 percent of what i owed which was XXXX that said that they would not report the collect to the credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I recently learned that Lowes/Synchrony Bank has falsely alleged that my brother lives at my address. Please force it to remove my address from any information that it has about my brother and his Lowes credit card.

Specifically, in CFPB complaint # XXXX, Synchrony Bank alleges that my address is my brothers address. This is untrue. Furthermore, neither I nor my brother would have told Lowes/Synchrony that my address is my brothers address. At the time that he opened his Lowes credit card account, my brother lived in XXXX, GA. Subsequently, he lived in Maryland and has lived there for roughly 4 or more years now.

So another question is how Lowes/Synchrony came to falsify my brothers address, then use its fabricated information to close his credit card. There is other false information in Synchronys response to my brothers complaint about its closing his Lowes credit card that will be dealt with in the CFPB complaint about Lowes capricious and unjustified denial of credit to him. This particular complaint, however, is mine and it is against Lowes/Synchrony for using my personal information without my knowledge or consent to falsify my brothers credit file and to expose me to increased risks of identity theft, financial crime, and cyber crime.

I resent any anonymous third party such as Lowes or Synchrony Bank appropriating my personal information against my wishes and without my knowledge or consent for its own illicit reasons. I resent it trafficking in my personal information for its own purposes. Why cant the CFPB stop this from happening? I am unfairly burdened, not only by Lowes and Synchrony Bank, but perhaps as well by the CFPBs failure to stop this illicit and potentially criminal activity from occurring. This is not my mistake, it is Lowe's/Synchrony Bank 's . I should not be forced into being a private policeman against their illegal behavior that jeopardizes my financial and general well being.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: MI

Complaint narrative:
This company refuses to update an account that has been paid. They continue to report that theres a {$200.00} balance on the account, when in fact there is not a balance on the account. It was paid in full. The account was also closed against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

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 2020-10-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MS

Complaint narrative:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I asked the company to delete the collection account in XXXX  and they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation