vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.

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 2020-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Received a phone call from XXXX XXXX XXXX they said that I owed Wachovia Bank {$2900.00}. I asked how is that possible when I had an account with XXXX XXXX XXXX  the young lady said Well if you dont pay this we will garnish your bank account take your car and your property if we have too I asked if she could send me something in writing she informed me after being rude and burped in my ear Well that will be after the judgement has been set against you I want to know if this is a legitimate company of lawyers or not?

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 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have a court date with LVNV Funding LLC for XXXX XXXX, XXXX for a credit card debt for {$940.00} The court papers that were served to me has interest charges from XXXX, It also has me making a payment in XXXX. This account is 15 years old, way past the statue of limitations for Missouri, plus I filed bankruptcy in XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Failure to comply on POLP and PHR request.I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ). 

SANTANDER CONSUMER USA XXXX Date Opened XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Never received any notice to pay the debt. No phone calls or any letters. I don't recall having unpaid medical bills. I saw this collection on my credit report today an called the creditor an paid the debt that was owed. The fact that it was sent to collection without contacting me was shady an unfair. This needs to be removed from my credit report immediately. I had a XXXX credit score an is dropped my score badly from lack of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please remove these accounts listed on my credit file, as they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
THESE CRDIT INQUIRES A RE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORTI MMEDIATELY.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
THESE CRDIT INQUIRES A RE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORTI MMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I went to use my credit card only to find out that they had close my account without even contacting me. Because it has been several months that I used the card they took it upon themselves to close the account. Also this company has bad practice in notifying you before hand of any of their sneaky bad practice when it comes to notifying before hand when they are about to make changes to your account.. If your credit score drop they lower your limit and it does not matter, if you paying your bill on time. They have a bad practice and everyone of my cards that I have with them the lowered my limit. Example I can have a credit limit at {$750.00} they lowered all away to {$100.00} : when I started out with a {$300.00} limit and it was increased to {$750.00} for one card, {$650.00} for another and then {$500.00} for another. The fourth card I had the store closed and reopened, but your card is no longer valid. I'm so done with this practice of this particular bank who have multi cards with different stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT 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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I didnt want the dispute for {$500.00} to be opened up with Citibank in the first place and I was giving a temporary credit of {$500.00} and I dont have the money or used due to multiple fraudulent charges on my Citibank account ending XXXX and I called in the middle of XXXX not XX/XX/XXXX to close the dispute out and I was told by the supervisor of Citibank it will go back to the merchant which is XXXX XXXX XXXX ... this dispute was open in a error on Citibank end and I never wanted this dispute to begin in the first place and Citibank rebilled me for this charge in the amount of {$500.00} on to my checking account ending in XXXX and holding me liable for it But didnt return the money back to the merchant since they have try to challenge the dispute and I didnt open this dispute with XXXX XXXX XXXX at all

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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
this company is stating that I owe them money and its on my credit but I dont have a sign contract with them. 

this account has been on my ftc report and I've disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NJ

Complaint narrative:
My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX  investigated the matter and removed the item. XXXX  states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. ( Please see my attachment from the federal court which does not allow electronic filing without permission from the court ) I then called XXXX again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company detailing their findings. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 I lived in NJ ( XXXX miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this, coincidentally, is the year in which Equifax had a data breach. I also attached a report of 21 people, found in one search, named XXXX XXXX here in the US. I also offered the confirmation from XXXX  who also investigated and found this to be incorrect and removed the item immediately. The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Please see the attached statement. It shows {$590.00} in rewards earned but these were not deposited. I would like these deposited into my paypal account XXXX I have used the card per the terms and not sure why this wasnt deposited. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was placed into the US Bank assistance program due to COVID-19. After the last month of the program, i paid the Loan out fully. US Bank is now showing there's a 30day late payment charge. Will you please contact the Bank and have it removed. ( last 4 of Account number is XXXX ). 
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 2020-11-19 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) NATLCRSYS ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2015 and 2. ) NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
The loan was from my previous marriage in which we divorced in XX/XX/XXXX. When we were married our loans were consolidated to a marital spousal consolidation loan, which now we know that this is a terrible loan, therefore it is no longer offered. In the divorce I agreed to pay the remainder of the loans which were mainly mine from XXXX in XXXX Texas, it is listed in our divorce decree. My ex husband is the person listed on the loan and I get constant calls for him regarding these loans, in which they are paid on a regular basis. I just found out by calling back Higher Ed, a loan company who has been harassing me for 3 weeks, calling me 2 times a week ( asking for my exhusband ), just told me that they just bought my loan from XXXX XX/XX/XXXX. I never received any documentation of this sell. This loan is extremely unethical and the fact that no one will refinance it because its a XXXX loan, and the fact that its keeps getting sold to other lenders, in which it gets to keep its title as a martial spousal consolidated loan, once again leaving me no way out. I have now been married to my new NON ABUSIVE husband for the past 9 years and I refuse to contact my ex husband who was abusive to me and my son ( who is now XXXX XXXX XXXX, whom I won custody of because of abuse ) to ask his permission or get his signature to refinance or verbal okay to put in forbearance. As a VICTIM where are my rights and am I still dealing with this after 14 years??? I became aXX/XX/XXXX( not an English teacher, so please don't be hateful ) after I graduated with this loan, when is enough, enough? So far, there has been no help or hope, therefore my next step will be finding a good lawyer. Not only did HESCloans buy this unethical loan, they have now more than doubled my payment from XXXX XXXX XXXX to now two different payments of XXXX and XXXX ... .this is unbelievable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a mortgage loan with Chase bank for approximately 20 years. 

I have been attempting to refinance this loan since XXXX and just have not had any progress on getting the loan refinanced. 

I have spoken with the loan officer on numerous occasions and he says that he has all of my information, but as of today their has been no progress on closing the loan. 

I have presented them with all of the information that they have requested. 

I have had a XXXX XXXX XXXX for twenty years, but I also worked for periods of time for companies while still maintaining my business. I was working for a company until XXXX of XXXX, after that time I have worked full time on my XXXX XXXX XXXX. 

One thing that the loan officer mentioned was that my income from my XXXX  business had increased drastically from XXXX to XXXX. I explained that in XXXX I had dedicated 100 % of my time to the business where as in XXXX I could not due to be employed by a company It seems like people who are self employed are possibly treated differently if their business is more successful the following year because they were able to dedicate more time to the business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
Received called from Benuck and Rainy. They left a very vague message on my voicemail. Left like an attempt to lore me in to calling them. The name of the person who owns the debt was never specified, what kind of debt it was or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX  Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount. 

On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX  XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller. 

When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online. 

After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below. 

Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do. 


I will never pay anyone over the phone, ever again.

Company response to consumer: Closed with explanation