vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-01 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: Stern Recovery Services, Inc.
State: CA

Complaint narrative:
There is a collections amount of {$570.00} from XXXX XXXX that does not belong to me. The account number as shown is 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 2021-09-01 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

13. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
Sun West have been mailing me " statements '' none of which states that they are attempting to collect a debt. The statements are also false and misrepresentation. They also contain logos, all of which are violation. I have requested that Sun West validate this debt, if can not be validated it must be discharged. I mailed Sun West my documents on XX/XX/XXXX, which in includes my Affidavit of Truth, Cease and Desist, Debt Validation, Information Request, Invoice and Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Pursuant to 15 USC 1692a ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt. The term " debt '' pursuant to 15 USC 1692a ( 5 ) means any obligation OR ALLEGED obligation of a consumer. Pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person. 

So it was I who is a COSNUMER and the original CREDITOR who in fact extended the loan through my " credit card '' which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit pursuant to 15 USC 1602i This is all information that Capital One Auto Finance should already know being governed by the FDCPA and TILA ( Truth in lending Act ), but for some reason or another they act like they do not know this information According to the FDCPA, Capital One has violated numerous consumer laws. They have harassed me, a consumer, with numerous phone calls ( sometimes more than once a day ), to communicate with me in regards to a debt. Pursuant to 15 USCb ( 3 ) ( 5 ). 

Capital One also violated 15 USCc ( a ) ( 1 ) & ( 3 ) by communicating with me without my prior consent at any unusual time or place and at my place of employment Capital One also violated 15 USC 1692d ( 1 ) ( 2 ) & ( 5 ) by the threat of reposession of my vehicle, by constantly using the word debt which is obscene and profane language and causing the telephone to ring continuously with the intent to annoy, harass, XXXX  any person at the called number. 

Capital One has also violated 15 USC 1692e ( 4 ), ( 5 ), ( 10 ) & ( 11 ). By the representation or implication that nonpayment of ANY debt will result in the SEZUIRE, or SALE of ANY property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I have several consumer loans I am making payments on that Equifax refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to Equifax on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
I had purchased some items with the credit card and payed the whole amount in full. When I was paying the amount in full through the phone I verified with the bank multiple times if I had any remaining balance, which they verified that my balance was now at XXXX. I started getting calls that I had late fees and that I still had a balance on my card. I called the bank and once again I told them my situation to which they said they " fixed ''. I asked multiple times if I indeed did not have a balance anymore to which they responded that I did not. 2 weeks later I started getting late fees once again. I called for the 3rd time to the bank and I had already backed up late fees and explained for 2 hours my situation to which they only wanted me to pay they did not care about what I had gone through previously. After on XX/XX/XXXX I sent out a letter to try to make the company understand that the late payments are inaccurate as I paid the account in full. To this day I have not gotten any response and they are still calling me saying that I owe them all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
The inquiries and auto lease reporting to my credit report is fraudulent activity. Please forward me any documentation providing proof I applied for credit. If you can not provide proof of documentation please remove these inquiries from my report. I have not and did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Suntrust bank froze my account for fraud and closed it some days later, the reason was that i received a grant for my business deposited n my account I have supplied the bank, with my Ein #, business licenses from three, both award emails from the SBA stating the amounts that was being deposited, letter for the FOIA legal department with SBA giving information about me and the grant, tracking number for the grant, SS card, driver license. Even after presenting my documents they still closed my account and accused me of fraud, and froze the account and holding my funds indefinite. No one from the local branch would help me, wouldn't allow me to speak with the vice president to present my documents to. I feel that I am being profile in some way, I have tired multiple time to clean this issue resolved but Suntrust haven/t giving me any option. I filed complaints but the people I tired filing complaints on was the one filing the complaint. I have received nothing but XXXX, XXXX, and XXXX from trying the resolve this issue. I have not committed any form of fraud.

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Evaluate this reporting by making a revision of the information provided, The XXXX Credit Bureau is reporting current status to be Bad debt/Collection Please re-investigate this account and change the status to Paid or simply " Remove '' the account. The Bureau statuses are damaging to my report, which would not be happening if they investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
cr card was lost, capt one try to tx to my # to verify, unable to rec tx. Need replacement walmrk card, and bk copies of statement from XXXX-to current, had returns need to see if they were cr.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NJ

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armcon Corp
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE - Complaint XXXX-XXXX  - was in reference to XXXX, XXXX, and XXXX not reporting Judgments against consumers ' credit reports. This complaint is about Coachella Valley Collection Service not having the authority to start collection activities in XX/XX/XXXX per California Code of Civil Procedure 673 and Section 681.020 as the XXXX XXXX XXXX XXXX  did not file the Acknowledgment of Assignment of Judgement with the court until XX/XX/XXXX. 


On XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX assigned a judgment to Coachella Valley Collection Service ( See attached Acknowledgement of Assignment of Judgment ) Coachella Valley Collection Service opened a reporting account with XXXX on XX/XX/XXXX, and started reporting a delinquency to my credit file and continued to report a delinquency through XX/XX/XXXX. XXXX and XXXX XXXX XXXX XXXX filed the Acknowledgement with the Superior Court of California , County of XXXX ( reference case number XXXX ) on XX/XX/XXXX ( See attached redacted Register of Actions ) Per California Code of Civil Procedure 673 and Section 681.020, Coachella Valley Collection Service did not have authority to start collection activities until XX/XX/XXXX, when the Acknowledgement of Assignment of Judgment was filed with the Superior Court of California , County of XXXX. 
Coachella Valley Collection Service is in violation of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., Californias Fair Debt Collection Practices Act ( Rosenthal Act ), California Civil Code 1788 et seq., The Fair Credit Reporting Act 15 U.S.C. 1681, et seq, .The Consumer Credit Reporting Reform Act of 1966 ( Public Law No. 104-208 ( September 30, 1966 ) 110 Stat.3009-447, 2413 ) ( the Reform Act. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I paid the full remaining amount of my business 's XX/XX/XXXX credit card statement balance. The due date for this statement was XX/XX/XXXX. This payment was made via ACH, and that business checking account has been set up on the Wells Fargo website and used for these payments for well over a year. ( We have also never had a payment get returned for NSF. ) The payment cleared our business checking account on XX/XX/XXXX. As of XX/XX/XXXX, our available credit balance has not been updated to reflect the XX/XX/XXXX payment. From communications with my Wells Fargo business relationship banker, no one internally at Wells Fargo could explain why a hold was put in place on our credit - and no communication has been received on my end. This situation is extremely frustrating and damaging, especially regarding the lack of transparency and follow through on promised follow ups. I don't understand what we have done to deserve this action and behavior.

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 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. 
Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15 I demand the removal of all inquires on my consumer file.

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been charged wrongfully since XX/XX/XXXX. I calles customer service to make a payment becuase there systems online were not working and calling numerous times to get thru finally reached someone on XX/XX/XXXX to ask about bill. The representative assured me my only balance was XXXX so I becuase that was all that's owed she advice to me make this payment and your account will be satisfied. Then in XXXX again a balance of XXXX and additional XXXX charged again for no apparent reason no transactions were ever made and again balance showed up. Then representative fixed it. In XXXX it showed up again and called to get it fixed representative again assured me no balance that I in fact had a credit due to fixing issue. Then today XX/XX/XXXX, I have a balance again for the same thing I keep paying over and over. Victorias secret credit card has been taking money from me saying its late fees etc when I have not used my account and they have been advising to me payments have been satisfied. Every month is the same concern and I called them to get them to help on what is happening they say there is no balance but then it shows up again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have called transunion numerous times and they have yet to remove these unauthorized inquiries from my credit report.

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 2021-09-01 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: OH

Complaint narrative:
For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with Equifax directly. The dates are as of said disputes are as follows : XXXX XXXX ( no response ), XXXX XXXX XXXX XXXX The accounts in question : US Department of EducationXXXX Equifax continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an Equifax representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident Equifax is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I purchased a car from Carvana and gave yet to receive my car as promised on XX/XX/XXXX. Included in the attachment is an account of what happened. My delivery of my XXXX XXXX XXXX XXXX has continuously been pushed back and effected me a great deal. At this point apologies and excuses arent helping. Give me my car. Now I have loan payments coming up for a car I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: LA

Complaint narrative:
I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!

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 2021-09-01 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: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.

Company response to consumer: Closed with explanation