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

Complaint narrative:
I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and Discover bank XX/XX/XXXX these inquires were not made by me and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Sent a communication to the AD ASTRA RECOVERY SERVICES company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NY

Complaint narrative:
OnXX/XX/XXXXReport Number XXXX was generated by Experian about XXXX XXXX   XXXX. They deleted the account due to Fraud and inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted experian and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership EXPERIAN has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop EXPERIAN and XXXX XXXX XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.

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 non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. Over a month ago all Three ( XXXX, Experian, XXXX  ) received the documentation and still have ignored the account with no update to my file. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

Attached is the information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me 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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This company is continuing to send me collection letters when I paid the debt off already on XX/XX/2020. There is no longer any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries

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 non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I received an email message from Frontline Asset Strategies on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to XXXX XXXX several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of XXXX XXXX. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, XXXX XXXX continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXXrontline Asset Strategies message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX XXXX.. If we are unable to assist you while your  account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} XXXX consecutive monthly payments of {$25.00} XXXX XXXX Strategies has implied there is monies owed to XXXX XXXX XXXX XXXX., Frontline Asset Strategies has misrepresented on whom they are acting on behalf, Frontline Asset Strategies sent a clear text message to a shared email address  containing confidential information, Frontline urges immediate payment or face to the account being recalled and sent to a lawyer, Frontline Asset Strategies implied they have been trying to reach me, this was the 1st communication I had received from Frontline Asset Strategies. XXXX XXXX had been notified of the balance dispute via a direct filing with the credit reporting agency. XXXX XXXX has not taken any action, nor provided any response to the credit dispute. In countless way, Frontline Asset Strategies and XXXX XXXX have violated rules under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
My card was cancelled and a new card ordered so now my money is tied up. No one EVER answers the phone. The chat or online messaging directs you to call so youre caught in a vicious cycle with no resolution. 

I am homeless and receiving mail is unreliable.

I also had ( 2 ) charges made unauthorized for XXXX only one was refunded.

My unemployment direct is set to go to this account. PLEASE help me.

I am XXXX  I Never reported card lost or stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, TD Bank USA/ Target C XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please review attachments of new discovery. It is obviously that XXXX XXXX XXXX and Select Portfolio Servicing is working together. The first lie is that they are the originators of my mortgage loan Which is false, the original FHA mortgage loan was with XXXX XXXX XXXX XXXX on XXXX XXXX therefore they lied on the XXXX credit bureau report and XXXX and XXXX report, misrepresenting and falsifying balance, amount owe and fraud Loan modification, I have no knowledge about. How can Select Portfolio Servicing Flagg a loan modification on XXXX XXXX with XXXX? This is crazy, Im not sure if they changed or added a new account number because I had no knowledge of the above. Please, please investigate on what going on. Follow the money, I can guarantee those missing checks and funds was used for investments accounts funds for profit. I wanted to know who is holding the mortgage note? I really think you all need to check for yourself because they lied and said it was with some insurance and when I call they had no knowledge of what SPS stated on one of the  documents they sent to CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Sent a communication to the XXXX XXXX XXXX XXXX company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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:
On XX/XX/2020 I disputed 4 inquiries on my credit file with Equifax that seems to be fraud and I never received an update or any status on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX Report Number XXXX was generated by XX/XX/XXXX about XXXX XX/XX/XXXX. They deleted the account due to Fraud and  inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX  and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XX/XX/XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XX/XX/XXXX and XX/XX/XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Report Number XXXX was generated by XXXX about AMSHER COLLECTION SERVICES. They deleted the account due to Fraud and inaccurate information. The company AMSHER COLLECTION SERVICES then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XXXX and AMSHER COLLECTION  SERVICES from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MO

Complaint narrative:
USBank refused to allow my SBR fund check into their Financial institution on XX/XX/2020

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 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
I have contact the company and have told them that the debt is not mine i have also told them that i believe that the debt is identity theft and i need them to remove the debt from my credit report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a UNPAID Charge Off Amount in XX/XX/2017. 
I am unaware of ever having an account from This Bank. 
Please validate this information with XXXX  XXXX XXXX and provide me with copies of any documentation associated with this " UNPAID Charge Off " bearing my signature.

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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax needs to block and remove these fraudulent accounts immediately because someone hacked into Equifax system and stole my identity. The following accounts were opened due to identity theft : 1. XXXX | XXXX 2.  XXXX XXXX  | XXXX 3. XXXX XXXX XXXX XXXX | Balance : XXXX 4. XXXX XXXX XXXX XXXX | Balance : XXXX I have attached a copy of my police report as well as corresponding documents from XXXX stating for Equifax to remove and delete this fraudulent account from its system. Equifax has also violated my rights be reinserting recently deleted accounts from my credit report without notifying me within five days. I am going to sue Equifax for violating my rights and report them to XXXX XXXX XXXX  as well as Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Vehicle returned to GM on XX/XX/XXXX ( as acknowledged on letter attached ). 
GM Financial issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my GM Financial account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by GM Financial. 
I called GM financial on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX, XXXX  and XXXX  still show this account as late payment ( see XXXX  as an example ).

Company response to consumer: Closed with explanation