vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On or around XX/XX/XXXX I recieved a letter from an Attorney ( whom I do not know ) telling me that he, upon reviewing a hearing docket for Magisterial District XXXX ( XXXX XXXX, Pa. ), discovered that LVNV Funding ( a debt buyer ) had filed a debt collection action against me XXXX. There was no direct communication from the debt buyer,. Had it not been for this attorney I would not have known about this action. I sent the debt Buyer a " Letter of Discovery '' asking for the origin of the debt, original date, last payment etc. It was sent certified mail XX/XX/XXXX ( and recieved by the company ) .There has been no reply. The hearing was set before a XXXX in XXXX XXXX on XX/XX/2021. This is over 300 miles from where I live and could not make it to such a hearing. I also have reason to believe this debt ( which I have no record of and could not find on any website or Credit Report ) is an old debt and now covered by the Statute of Limitations. The Credit Buyer has seemed to have been acting in a completely underhanded manner about the entire affair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Showing payment late

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 2021-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Showing payment late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Showing payment late

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 2021-03-08 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:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WENT INTO THE XXXXXXXX XXXX  OFFICE ON XXXX XXXX, AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, TO OBTAIN A {$2500.00} DOLLAR SECURED CREDIT CARD, WHICH I HAVE BEEN INFORMED, DOES NOT REQUIRE A HARD INQUIRY, DUE TO THE FACT THAT I WOULD HAVE PAID {$2500.00} DOLLARS OF MY OWN MONEY PRIOR TO RECEIVING THE XXXX XXXX SECURED CREDIT CARD, WHICH AT THAT TIME. MY PERSONAL CREDIT SCORE/FICO SCORE WAS A XXXX, EXCELLENT, AND VERY GOOD, THEREFORE I PERSONALLY INFORMED THE MAN AT THE XXXX XXXX, THAT I DO NOT WANT A HARD INQUIRY JUST TO OBTAIN A SECURED CREDIT CARD, AND I WAS GIVEN A LETTER THROUGH THE U.S. POSTAL SERVICE, THAT STATES, WE'RE UNABLE TO APPROVE YOUR APPLICATION AT THIS TIME, DATED XX/XX/2020, WHICH WAS CLOSE TO THE DATE I ENTERED THE XXXXXXXX XXXX OFFICE LOCATED AT THE SOUTH-EAST CORNER OF XXXX XXXX AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, THE MAN I SPOKE TO WHEN I WANTED TO OBTAIN A SECURED MASTER CARD, WHICH IBWOULD HAVE PAID {$2500.00} DOLLARS IN ADVANCE FOR THE CARD, QHICH I AM AWARE, DOES NOT REQUIRE A HARD INQUIRY, AND WHICH I WAS INFORMED BY THE BANK EMPLOYEE WHOM SITA AT A DESK IN THE REAR OF THE BANK, JUST TO THE RIGHT SIDE OF THE REAR EXIT DOOR. THE LETTER I RECEIVED IN THE MAIL FURTHER STATES " ( HI XXXX. THANK YOU FOR YOUR INTEREST IN THE XXXX MASTERCARD ACCOUNT. WE'RE UNABLE TO APPROVE YOUR APPLICATION BECAUSE WE COULDN'T VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION. " YOUR XXXX TEAM ''. AND I CAN ONLY ASSUME OR ASSERT THAT THE GENTLEMAN AT THE BANK ON THE RIGHT SIDE OF THE REAR EXIT DOOR AT THE DESK, FRAUDULENTLY DID A HARD INQUIRY FOR FURNITURE, AS I CLEARLY READ ON MY CREDIT REPORT, AND I CAN READ AND WRITE XXXX WELL IN PLAIN ENGLISH, AS YOU CAN CLEARLY SEE FROM THIS VERY LETTER. I AM ALSO VERY FAMILIAR WITH THE MANY FORMS AND ACTS OF RACISM, AND I DO NOT OUT NOTHING PAST ANYONE ON THIS PLANET EARTH, I OBSERVE ALL FORMS OF RACISM EVEN BLACK ON BLACK RACISM BECAUSE I CARE ABOUT EVEN THOSE WHOM MAY NOT CARE ABOUT ME AS WELL. BECAUSE OF MY INTELLIGENCE, I WILL CONTINUE TO PERSONALLY AND PROFESSIONALLY FIND THE SOURCE OF WHY I HAVE ALL THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT WHICH I AM DISPUTING ALL OF THE ILLEGAL INQUIRIES ON MY CREDIT/FICO SCORE.

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I received a letter from CCS saying that XXXX XXXX placed my account with them to collect a debt. 
This " debt '' with XXXX XXXX  was disputed and dismissed. I have a screen shot from their website saying that there is no such claim. Nowhere in the letter received from CCS does it say that I can dispute this claim. Only instructions to make the check out to XXXX XXXX, but they say I don't owe anything!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an account with discount tire and I used them I always made my payments and always more then the minimum they ran my credit without my authorization and lowered my credit from XXXX to XXXX they said they see I pay my payments on time but it was something on my credit so they lowered it and I got notified and few months later through the app when I went to make a payment they closed my card I have a balance left on it which Im still to pay but they didnt need to close my account I use the card I never been late and they never had any payment issues from me they keep saying we sent a letter but I never got one and cant get an email from them other then when to pay them

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 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit card showing 30 days late on all my credit reports.

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 2021-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit card showing 30 days late on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit card showing 30 days late on all my credit reports.

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 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Showing payment late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JMD,LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, High Desert Creditors Service reported a collection account on my XXXX credit bureau file in the amount of {$190.00} for XXXX XXXX Department. The date of the account is XX/XX/XXXX. I have NEVER been contacted by anyone at XXXX XXXX Department or High Desert Creditors Service by phone or mail. This is not my debt. I have NEVER been to XXXX, CA at any point in my life. Additionally, I am a resident of Florida. High Desert Creditors Service does not have a Florida collection agency license as required by Florida law ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CA

Complaint narrative:
A collection account for XXXX XXXX XXXX XXXX XXXX XXXX is showing on my credit report. This is fraud and wasnt authorized by me.

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 2021-03-08 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:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In XX/XX/2016, I rented a vehicle from XXXX XXXX XXXX XXXX  The day of my departure, when returning the car, I entered the wrong bay because the signs were positioned incorrectly. As I attempted to exit the bay, the grate was raising before an employee could assist me. This was a traumatizing experience ; I spoke to the manager and he created an incident report and gave me a phone number to contact the executive offices when I returned to XXXX. I called the next day and there were several times we communicated throughout XXXX. In earlier XX/XX/2016, this incident was resolved. At least I was led to believe it was until I received a collection notice from Transworld Systems Inc, in the amount of {$3800.00} with a statement included stating the following ; If you have an income tax refund, perhaps you can use the proceeds to pay this account. Four years and seven months later, this the first time I am being notified through a collection notice. I stated in my dispute letter to Transworld Systems, I was led to believe this incident was resolved, therefore, there was never a need to contact my insurance provider or my attorney for legal counsel, my statue of limits has expired. This is unacceptable and I feel this attempt should not be allowed after four years and seven months, especially during a pandemic. I realize that the rental companies have been hit hard, however, do not try and resurrect an incident that was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This account was open due to fraud and identity theft. It isnt my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION XXXX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXX-DISPUTE REQUESTED- TRANSUNION/XXXX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

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 2021-03-08 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: CA

Complaint narrative:
A collection account for XXXX XXXX XXXX ( XXXX ) is showing on my credit report. This is fraud and wasnt authorized by me.

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 2021-03-08 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: CA

Complaint narrative:
A collection account for XXXX XXXX XXXX ( XXXX ) is showing on my credit report. This is fraud and wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Home insurance not being paid by escrow account. I have already contacted your agency and am now receiving phone calls with unknown name on caller ID, first no message then message no name no ID number to call Loancare. After several attempts and being on hold for up to 45 minutes am being told that you contacted them and they are looking into issue. We are receiving by mail that we do not have homeowners insurance, do not have flood insurance and offers to refinance with them. We are lucky enough that we have closed on a refinance ( at our expense ) so we do not have to deal with them. We now are left to fight to get our escrow account with them refunded to us. 
Especially during these times Loancare 's predatory insurance programs are hurting many consumers. 
How can we get help to get our refund of {$2800.00} from our escrow account.

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 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted 2 disputes, its been more than 30 days for both and I added that on a new dispute but they havent done anything. The 1st one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed. The 2nd one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CA

Complaint narrative:
This is the 8th time that Im trying to get this corrected and at this point Im beyond frustrated. Equifax has requested multiple documents to verify my identity yet i still cant get in to speak with anyone. On XX/XX/XXXX i call Equifax to see why 9 of my revolving accounts had been removed. I was advised to contact the companies all of whom were clueless. How do i send multiple documents in to get my address updated and now they cant verify me with any address Ive used in the last decade?!! I have spoken to multiple people whove explained that my credit bureau report was split and needed to be merged! They have merged some of my revolving accounts but not all of them. Im still missing at least 3. One of those cards is being reported as closed. Which it is not! Im also an authorized user on another file, which was on my file prior to the split and is now gone!!! I have contacted credit one and theyve made it very clear that this is on Equifax because they are reporting it mine they are to my other bureaus. They are reporting correctly to Equifax.! My credit score is still yet to be corrected! I have sent my driver 's license social security card and now a bill!!!!!! How do i go from high XXXX to XXXX without reason! 
They are really messing me up. IM filing this complaint with cfpb today as this is ridiculous. Before I got off the phone the last time he assured me that everything was corrected just like the first time when I called and told them that my address was incorrect. And to NOT send my credit report to my grandparents home yet thats exactly what they did and I had to go grab it from my grandparents address.

Company response to consumer: Closed with explanation