-- DBMS: snowflake
CREATE TABLE FINANCE__ECONOMICS.CYBERSYN.FINANCIAL_CFPB_COMPLAINT (
    DATE_SENT_TO_COMPANY DATE,
    TIMELY_RESPONSE BOOLEAN,
    SUBMITTED_VIA TEXT,
    ZIP_CODE TEXT,
    SUB_ISSUE TEXT,
    ID_STATE TEXT,
    DATE_RECEIVED DATE,
    COMPANY_PUBLIC_RESPONSE TEXT,
    CONSUMER_COMPLAINT_NARRATIVE TEXT,
    STATE TEXT,
    ID_ZIP TEXT,
    COMPANY TEXT,
    SUB_PRODUCT TEXT,
    ISSUE TEXT,
    COMPANY_RESPONSE_TO_CONSUMER TEXT,
    CONSUMER_DISPUTED TEXT,
    CONSUMER_CONSENT_PROVIDED TEXT,
    PRODUCT TEXT,
    TAGS TEXT
);

INSERT INTO "FINANCE__ECONOMICS"."CYBERSYN"."FINANCIAL_CFPB_COMPLAINT" (DATE_SENT_TO_COMPANY, TIMELY_RESPONSE, SUBMITTED_VIA, ZIP_CODE, SUB_ISSUE, ID_STATE, DATE_RECEIVED, COMPANY_PUBLIC_RESPONSE, CONSUMER_COMPLAINT_NARRATIVE, STATE, ID_ZIP, COMPANY, SUB_PRODUCT, ISSUE, COMPANY_RESPONSE_TO_CONSUMER, CONSUMER_DISPUTED, CONSUMER_CONSENT_PROVIDED, PRODUCT, TAGS) VALUES ('2017-04-05', True, 'Web', '92805', 'No notice of investigation status/result', 'geoId/06', '2017-04-05', NULL, NULL, 'CA', 'zip/92805', 'EQUIFAX, INC.', NULL, 'Credit reporting company''s investigation', 'Closed with explanation', 'No', 'Consent not provided', 'Credit reporting', NULL), ('2019-01-09', True, 'Web', '10705', 'Difficulty submitting a dispute or getting information about a dispute over the phone', 'geoId/36', '2019-01-09', 'Company has responded to the consumer and the CFPB and chooses not to provide a public response', NULL, 'NY', 'zip/10705', 'EXPERIAN INFORMATION SOLUTIONS INC.', 'Credit reporting', 'Problem with a credit reporting company''s investigation into an existing problem', 'Closed with explanation', 'N/A', 'Consent not provided', 'Credit reporting, credit repair services, or other personal consumer reports', NULL), ('2023-06-15', True, 'Web', '91311', 'Investigation took more than 30 days', 'geoId/06', '2023-06-15', 'Company has responded to the consumer and the CFPB and chooses not to provide a public response', NULL, 'CA', 'zip/91311', 'TRANSUNION INTERMEDIATE HOLDINGS, INC.', 'Credit reporting', 'Problem with a credit reporting company''s investigation into an existing problem', 'Closed with non-monetary relief', 'N/A', 'Consent not provided', 'Credit reporting, credit repair services, or other personal consumer reports', NULL), ('2019-09-30', True, 'Web', '206XX', 'Didn''t receive enough information to verify debt', 'geoId/24', '2019-09-30', NULL, 'On or about XX/XX/2016, I received notification on my credit report through XXXX  XXXX  that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. 

Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '''' of accou8nt, and I''ve repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. 

So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? 

Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts.

XXXX   has had this dispute open for SEVERAL MONTHS without resolve. 

Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies?

And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '''' -- and it''s a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I''ve continuously disputed it -- and it has NEVER REPORTED an account number.', 'MD', NULL, 'IO, INC.', 'Medical debt', 'Written notification about debt', 'Closed with explanation', 'N/A', 'Consent provided', 'Debt collection', NULL), ('2023-09-15', True, 'Web', '30045', 'Reporting company used your report improperly', 'geoId/13', '2023-09-15', NULL, NULL, 'GA', 'zip/30045', 'EQUIFAX, INC.', 'Credit reporting', 'Improper use of your report', 'Closed with non-monetary relief', 'N/A', 'Consent not provided', 'Credit reporting or other personal consumer reports', NULL);