vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) 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 co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX (  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required 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 co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXXXXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
Account : XXXX XXXX XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Opened an Amazon Prime Store Card in or around XXXX or XXXX and selected to receive " Paper Copies '' of my bills to be sent to me via the US mail. I received a few months worth of paper copies of my bill until it then stopped all of a sudden. I confirmed with my wife that she didn't change the physical paper delivery to our home address that we lived in for many years and also contact Synchrony 's customer service to confirm that my account was still setup to receive paper copies of my bills and guess what I found month after month after month after month after month, somehow it was switched to send " ELECTRONIC '' copies of my bills.As the account holder of this card, I never " SELECTED '' or " CHANGED '' this option within my account or verbally or electronically gave anyone permission to make this change on my behalf. So, here we are on XX/XX/XXXX, XXXX contacting Synchrony Bank YET AGAIN to see why I haven't received a paper bill yet again ... of course the very nice customer support rep stated that my account has " PAPERLESS '' billing select once again. Before signing up for this card I read the reviews about it and many many people commented on this issue happening to them. I just passed it off as someone just forgetting to pay their bills until it happened to me repeatedly over and over and over and over again..until today XX/XX/XXXX which I decided to do something about it for once and for all for not just myself but for everyone else who has used this card previous or for anyone who is looking to apply for this card. This bank account practices needs to be investigated and prosecuted for fraudulent accessing people accounts and changing their " BILLING '' delivery options so people 's account become delinquent so they can collect late fee 's and chargers.

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I XXXX XXXX never enter any consumer credit transaction with PORTFOLIO RECOV ASSOC for them to have my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer right to privacy. By PORTFOLIO RECOV ASSOC obtaining my personal information without my consent PORTFOLIO RECOV ASSOC have committed fraud and identity thief. PORTFOLIO RECOV ASSOC furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with anybody else due to the allege debt PORTFOLIO RECOV ASSOC furnished to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
XXXX XXXX has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. 

As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice on XX/XX/XXXX ( move out date of XX/XX/XXXX ) and did not enter another agreement with XXXX XXXX. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. 

When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I sent NCS another letter explaining to them that I think my right had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX XXXX and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by NCS I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. 

I am distressed that National Credit Systems has now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of total disregard of my rights by National Credit Systems and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have a Coinbase Wallet but the altcoin ( Dogecoin ) that I have owned since 2018 has went missing. There is no phone number to contact the company only an Email address. I have contacted the company on several occasions only to get a reply that the case is being reviewed. I first contacted the company via email XX/XX/XXXX. I have contact the company at least 9 times and I have attached their last email response. The remedy that I am looking for is for my coins to be returned which is XXXX coins at time my coins went missing the value for them was over {$7000.00} us dollars which I would like to receive the value of these coins at the time of disappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax - I have sent over 5 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now! and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2021 XX/XX/2021 Actions Taken by Me : Sent 5 dispute letters to All bureaus Equifax by Certified Mail to remove inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Transunion got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Transunion is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business 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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: OH

Complaint narrative:
I started working with XXXX XXXX ( NMLS # XXXX ) of XXXX XXXX back in late XXXX of 2020. I paid for an appraisal for my home, in the middle of processing my loan he switched companies, told me he couldn't transfer the appraisal to his new company. He did not offer to give my loan to another person at his former company, which meant I had to get a new appraisal with the new company. He originally quoted me a rate of 3.125 with his former company, but when the loan was about to close the rate went up to 3.75. Because of his bait and switch tactics I decided to not go through with the loan and now he is threatening to send me to a collection agency if I don't pay for the second appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when reviewing my credit report to find late payments reported for XXXX - XXXX of 2020. I am not sure how this happened. I believe I made my payments when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX credit report. I was informed in the attached letter from XXXX XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
( PORTFOLIO RECOV ASSOC ) at XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Equifax got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Equifax is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
Account : XXXX XXXX XXXXXXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

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 2021-06-10 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:
Account : XXXX XXXX  XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXX  : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

Company response to consumer: Closed with explanation