vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete these Account immediately from my consumer report I DID NOT give written permissible.

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 2021-02-08 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: LEXISNEXIS
State: GA

Complaint narrative:
Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by Mr. XXXX who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months I need you to update XXXX  that this Bankruptcyneeds to be removed, they are still reporting it on my credit report andciting your company as the furnisher of this false information DESPITE numerous communications indicating that this is inaccurate info. 
XXXX  also refuses to update my personal information on my credit file, they are blatantly ignoring all communications sent to them to resolve this conflict. I have sent numerous letters to them and no response or update on my comments nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I had a gym membership at XXXXXXXX XXXX at the XXXX location in XXXX XXXX, NY. Due to state mandates, they were closed from XXXX to XX/XX/2020. During that time, there was no way to cancel my membership as the only acceptable forms of cancellation, based on their agreement, were in person or certified mail via the post office. After repeated requests by me to cancel via any other form that does not violate local covid mandates, I was denied my ability to cancel my membership. I have been charged {$73.00} by them and currently have an outstanding balance from them which was sent to collections. Please help me regarding this matter. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I entered in a consumer credit transaction with Citibank on XX/XX/2020. 

Following that date Ive received numerous emails, none of which adhered to 15 USC 1692g. ( a ) ( 3 ) which states that a debt collector is required to send the consumer written notice within the first five days following initial communication stating that the consumer has the option and right to dispute the validity of the alleged debt. 
Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt within the first 30 days, shall not be construed as an admission of liability.

Citibank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report and also one which I, the original creditor and protected consumer, am not liable for. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, Citibank never notified me of my option to opt out from the reporting process or gave instruction on how to and has instead proceeded to report invalidated information regarding this alleged debt to the Credit Reporting Bureaus that damage my reputation and constitute fraud, since I never consented. 

All of this to say that the alleged debt is not mine to cover, since it is a consumer transaction that was initiated through my Social Security Number, much less be defamed over. 

I am aware that banking institutions dont have the power to extend credit and that it is actually I, the original creditor who is extending this credit line to this institution. I dont appreciate the misleading and false representations that Citibank has utilized in order to try to coerce payment from me regarding an alleged and now disputed debt, including the fact that initial communication and subsequent emails requesting payment have violated 15 USC 1692e. ( 11 ) by failing to disclose that they are attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/2021 MRS Associates reported a bad debt of {$560.00} to credit bureaus that is adversely affecting my credit. They did this even though this debt has been resolved and was not mine to begin with and they did this without the courtesy of a letter of phone call to me. They are acting on behalf of their client, XXXX, re : a cable bill. I have all of the documentation to back up why I do not owe XXXX a XXXX and how this debt had already been adjudicated in the past. In fact, MRS already knew this debt was nonsense and still did this to me. This feels like criminal behavior on the part of MRS Associates and I am furious that a company so dishonest as them can effect the credit of a person who pays their bills. I have contacted them on their website and email address 5 days ago but have still not received a response. In the meantime, my credit suffers because of these negligent clowns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong 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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Our home burnt XX/XX/XXXX we contacted Shellpoint on XX/XX/XXXX and let them know what happened. XX/XX/XXXX Shellpoint went forward knowing that the home burnt and the insurance company was paying it off. We were told on XX/XX/XXXX to send the insurance check to the loss draft department. on XX/XX/XXXX the loss draft department emailed me and ask for the payoff. When we contacted shellpoint about our payoff amount we were told on XX/XX/XXXX it would be XX/XX/XXXX before they could tell us because they went forward and filled to foreclose on us. We are also showing credits on our account un unapplied payments. This is a mess. We simply want to be done and move on.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX had account of mines from XXXX XXXX XXXX, however this account was sent back to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating they now have the same XXXX XXXX XXXX account in their office. I contacted XXXX XXXX XXXX to inquiry about the account, they informed me the account is not in their office and the account has been deleted from the credit bureaus. I have verified with the credit bureaus the XXXX XXXX XXXX remain on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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:
On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.

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 2021-02-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Have XXXX years of perfect credit. Never late on ANY bill, payment, mortgage. I have 5 homes that I rent out and never one late payment ever. Went to refi my primary residence and they pulled all 3 credit reports and 2 were fine but XXXX  reported that ASC ( Now Wells Fargo ) have a 30+ day late payment from XXXX. Simply didn't happen or if it did by some strange reason, it was quickly corrected. I vaguely remember they had an issue sending out invoices during that time and they BLAME me for not making a payment. Simply not true but none-the-less, got transferred from person to person trying to resolve. Again, 6 years ago this happened not recently yet they recently reported it as recent as last year. Obviously I am disputing this but 2 different loans with them dating back to XXXX and never 1 late payment Maybe think outside the box and see the history and maybe believe me???? I mean really people.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing! 
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed

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 2021-02-08 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: FL

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX, Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX  needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX SS Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Overton , Russell , Doerr and Donovan , LLP. Has been refusing to send me any letters or statements that ALL my accounts are paid in full and closed. They sent me a statement for one of the charge off accounts but non of the others. There were 3 listed accounts with ORDD and I need a letter for all 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have had my American Express card since early XXXX without any problems. Starting XX/XX/XXXX and XX/XX/XXXX American Express posted payments incorrectly to my account. Beginning XX/XX/XXXX I began very a lengthy, time consuming effort to help American Express correct the error only to be told I was wrong and they are right. I continuing follow up XXXX see attachments XXXX including correspondence with CEO XXXX XXXX They began attaching late fees and interest charges for their error. Today, XX/XX/XXXX I received a email threatening to report my delinquencies to the credit bureaus. I feel I have done everything possible to help American Express correct these errors to no avail. This XXXX XXXX XXXX man needs help to correct this error. Hopefully I can call on your support to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: LoanCare, LLC
State: CA

Complaint narrative:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX 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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XX/XX/2021 PAYPAL Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Gentlemen : Twice in the last few months PayPalCREDIT has attempted to charge my account Late Fees despite my payments being made several days ahead of due dates. These payments were electronic and I have verified with my bank that funds cleared timely. In both instances I wasted time speaking to your agents who argued the matter and in the first case reluctantly waived the fee. On the second occasion, the agent refused noting that an accommodation had already been granted. I requested to speak to a Supervisor but after a lengthy delay he failed to find one. 

These instances do not constitute customer service accommodations, but rather deceptive trade practices and fraudulent activities. I shall not waste further time on them, I shall not pay any related fees or interest and I will refrain from using your services until such practices are remedied.

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 monetary relief