vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, we attempted to pay for airport parking my card with a {$12000.00} limit was declined. Upon contacting the creditor ( XXXX XXXX ), I was informed that TransUnion sent a letter to them stating I was overextended. I was never informed of any action like this. Now, upon contacting TransUnion, they disavow any knowledge of ever having done this and that all they do is monitor credit. Why would the creditor tell me TransUnion sent them this letter? The creditor told me my credit limit was decreased from {$12000.00} to {$2500.00} leaving {$11.00} in available credit. Additionally, I received a letter from XXXX XXXX XXXX stating the same thing. XXXX XXXX XXXX closed my account without cause. I have never been late or ever done anything wrong to anyone involved in this complaint. The only equitable solution for me would be to reinstate these cards. I am getting notifications like this daily now.

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UBS BANK USA
State: NY

Complaint narrative:
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time or it was dropped in the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm having an issue with Equifax not correctly reporting my trade-line with my car loan from XXXX XXXX XXXX, despite XXXX XXXX being able to correctly report the trade-line. Not only has Equifax not reported that I've made a single payment since XX/XX/2018, they are reporting that I am adding debt to this car loan, when in reality I've been paying it down with each payment. In return this damages my credit score and when I try to initiate a dispute with Equifax to fix it they ask me numerous ridiculous 'account verification ' questions about old trade lines and payment amounts including having an address in there for me that I've never, ever lived at and I've even told them that before. I know I answer these questions correctly, yet they still say they can't verify my identity and attempt to make me jump through multiple more hoops to submit a dispute. This is all to prove my identity when in the end this nightmare is simply because of the inaccuracy of the information on their end. And, naturally, it's virtually impossible to reach a real person to resolve any of this mess at Equifax. This is ridiculous and they shouldn't be allowed to have oversight over people 's credit reports if they can't report it accurately or have any accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I have an unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SUNRISE CREDIT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX XXXX has placed a charge off on my credit report for {$150.00} I have tried to contact them and find out what is going on and all they keep asking for is full payment on this debt, it it apparently 3 1/2 years old and Im just now finding out about it. I asked for a letter stating they would remove it from my credit report if I paid it in full and was told that is not possible and then was hung up on after asking why it wasnt possible.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have an unverified account from XXXX/BELK. I had previously disputed this account. I have never done business with XXXX/BELK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/BELK provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/BELK Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.

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 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX credit card account with XXXX XXXX XXXX that is open and current, and in good standing.

It has a credit limit of {$46000.00}, and is a XXXX.

TransUnion credit bureau refuses to list it on my credit report, even though all the other credit bureaus, XXXX, XXXX, and XXXX list it on their credit reports.

This account has been open since XX/XX/2013.

I have contacted them numerous times to get this matter resolved, to no avail.

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 2018-06-04 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: Home Point Financial Corporation
State: CA

Complaint narrative:
Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850.  Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX continue to provide false information and now is stating that Lexis Nexis does not report the XX/XX/XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XX/XX/XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until Lexis Nexis sends them a letter stating it needs to be removed.

XXXX representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing Lexis Nexis has removed the Bankruptcy from their records, The need a letter from

Lexis Nexis telling them to remove the Bankruptcy. I'm not sure what Lexis Nexis is reporting to them but XXXX is the only Credit reporting Agency
that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact XXXX I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court, when asked for documentation they have no documents, and the others are stating as per Lexis Nexis. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX I'm requesting CFPB investigate what XXXX is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CA

Complaint narrative:
I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Convergent Resources, Inc.
State: MS

Complaint narrative:
I found this item on my credit report and I do not recognize this company and have never done business with this company. I disputed this account with them directly and I did not receive any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).

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 2018-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IN

Complaint narrative:
Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchase a used car at a used car lot. Santander Consumer USA was the only agency that would lend me the amount I needed XXXXXXXXat 25 % interest. Once I got on my feet and able to make the necessary payments which I did I needed to refinance the loan. they say they do not allow refinancing. 7 years later after making all my payments I still owed XXXX XXXX. I finally went to XXXX XXXX who accepted the trade in of my XXXX XXXX XXXX with XXXX miles on it for XXXX XXXX Santander is a predatory lending company and took advantage of me and my situation to make a profit. I have paid XXXX XXXX for that car over the last 7 years. I am finally out from under the car. Thank XXXX. What a mess! I have heard about all the class action lawsuits. I should of been a part of them. How do I go about getting some of the money back for the predatory lending and the harassing collection calls when I did fall behind? 

They also front loaded the interest which kept my balance owed extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
XX/XX/2018 called said they tried to serve me at my job I don't work so not possible. Said if miss court date used foul language. Call back number is XXXX.i located them to be in Pennsylvania. When I asked for company name they said Cordova and wexler when asked for address they hung up.i called back voicemail said 8 by 8.didnt give me case number asked for personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

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 2018-06-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX Syncb- XXXX XX/XX/XXXX Syncb- Walmart XX/XX/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 2018-06-04 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: Screening Reports Inc.
State: PA

Complaint narrative:
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/2017 SCRNG RPTSXX/XX/2017 XX/XX/XXXX-XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX- XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Untimely response
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX  XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. 

When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. 

The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services.

First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation