vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX, I submitted an investigation to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) for the National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters sent a letter stating that they are not able to comply with FCRA and CFPB laws that were in place for validating the debt and cease collection activities. On XXXX, the bureaus verified that the debt was mine. On XX/XX/XXXX, I resubmitted the investigation request and a method of validation. On XXXX, XXXX  removed the account. To this day, XXXX and XXXX  both have continued to state that the debt has been verified. The debt has not been validated and XXXX advised filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I believe that I was Sued in supreme court of a judgement against me from ( Pressler. Felt & Warshaw, LLP ) for the amount of ( {$1000.00} ) claiming to collect the debt of ( XXXX XXXX XXXX  ). but after trying to confirmed the information, which can't confirm not a single thing. I believe this is a act of Forgery on the primises of Falsifying Documents.

Reasons of Forgery 1st. Docket Number ( XXXX ) does not exist in court records, indicating there were no law sued file and won by Pressler, ( Felt & Warshaw, LLP ) of  any kind 2nd In my credit report and public records there are no mention of ( Pressler , Felt & Warshaw , LLP ) Judgement of any kind.

3rd The certified mail tracking numbers only indicted that it's were delivered, that's it.

no sender, or history of any kind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Debtsy Holdings, Inc.
State: IL

Complaint narrative:
I am a federally protected consumer and Debtsy Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a request to United Revenue Corp asking the company to validate four separate medical debt, by sending a breakdown of the fees, to provide a copy of my signature authorizing release of my medical information and I asked them to also validate the  debt ( when it became first delinquent and etc ). On XX/XX/XXXX, I received a letter advising me that it was frivolous attempt for the account with the amount of XXXX. I never received any validation attempts. On XX/XX/XXXX, I received billing statements for 3 different accounts on their letterhead which still doesn't provide me with all that is needed to validate the debts. On  XXXX, I resent a request to the company for 4 debts requesting the info I need to validate the debts. On XX/XX/XXXX, I received more letters from URC stating that these were frivolous attempts and they provided the necesaary information, which they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd
State: IN

Complaint narrative:
Nationwide Recovery Systems have absolutely destroyed my credit. For the past 10 years, this company has continuously reported an account for {$790.00} on my credit file. Every time the account falls off of my credit report Nationwide Recovery Systems as reopened it as a new account. This is in violation of the FTC. 


XXXX XXXX XXXX XXXX with XXXX XXXX XXXX has also done the same exact thing for the past 10 years. I have personally disputed these accounts with the Credit Bureaus but I have seem to be not successful with them. This is my last step before I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NC

Complaint narrative:
Items in the report violation section 611 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good afternoon, So I apply for chase credit card on XXXX XXXX and credit was pulled from XXXX. I got a message saying my they will. So two days later I called chase bank to know the status of my application. I was told I had to verify myself which I did by answering a few questions. They told me that I will receive something in the mail in 7 to 10 days. When I got the letter they said they canceled the application because they thought that someone was applying in my name. If I was the one that apply, to called them, which I did. After calling the reconsideration line, I was told by a supervisor they was going to do a manual review and I was going to get a decision in the mail in 7 to 10 days after they reviewOmg my application. My question if you thought someone was applying for credit card in my name you would of called the number on the application to verify information on my credit report that it was me on  the day I apply or the next day. So here we are XX/XX/2020 and I never received a letter of the decision on my credit card application. My score at the time was XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive applied for a credit increase from Capital One for my MasterCard account ending in XXXX and they will not increase my credit despite my excellent payment history or time Ive been with them which is completely unfair ... Ive called Capital One about this and they say its out of their control ... Dates I requested credit increase are as follows ; XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ... the responses given to me by Capital One are as follows ; A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.A credit limit increase on your account is not currently available upon request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My account with reloacatd is inactive. I have sent in documents showing im me. They still won't unlock it. They keep telling me im not me. Its like they believe someone else is me and im scamming my own account?? I have some emails from brinks prepaid account that i switched to and nothing adds up. And i keep getting replacement cards in the mail. And i never reported any thing stolen. Except my phones. My boyfriend would steal them for a couple days then smash them when he came back. He did that with XXXX XXXX XXXX XXXX XXXX. I can't my bills because i cant use my bank 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: PA

Complaint narrative:
There is a derogatory account from XXXX XXXX XXXX appearing on my credit report. My last payment on this account was in XXXX of XXXX, as that is when I switched to XXXX, which I have to date. XXXX XXXX XXXX has since sold my debt to IC System. They state that the account was recently opened on XX/XX/XXXX which is FALSE. Im guessing that is when IC Systems acquired the debt. It has now been 7 years  since the last date of activity on the XXXX XXXX XXXX account. This debt should no longer be appearing on my credit report. IC systems has fraudulently stated Affected by natural disaster in the remarks section, as well as listed incorrect date the debt was opened. I am requesting that XXXX XXXX XXXX provide the signature page stating when the account was actually opened. IC Systems has blatantly provided false information to the credit bureaus in a gross and dishonest attempt to collect a debt that is now aged past 7 years. I would like this derogatory item removed from my credit report and a written apology from IC Systems.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I pulled my credit report and noticed Fraud Accounts on my report. Its is doing damage to my credit report and lively hood. I need the fraud accounts removed.

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 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
We sent {$200.00} deposit via Paypal for a puppy dog. we later found out it was a scam.

Paypal can release other party 's information only if ordered by a court. my bank is trying to somehow get money back with cooperation with Paypal. Refunding is not as easy of sending money. money sent to  XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CT

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
I never had a synchrony care credit card. They are Reporting a {$1000.00} synchrony credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished 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 non-monetary relief
Consumer complaint received 2020-10-15 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:
I never had a XX/XX/XXXXXX/XX/XXXXcredit card. They are Reporting a {$1000.00} XX/XX/XXXX credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished 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 2020-10-15 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 is incorrect
Company: Checkr, Inc
State: MD

Complaint narrative:
I had been driving with XXXX for 5 years when on a routine background check the rejected my employment because of a background report from Checkr. When I look in the report Checkr has sent me there is no negative information. I paid to run an independent report from XXXX which came back clear. Checkr has irreparably damaged my employment opportunity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
Yes my name is and Transworld systems Inc/XXXX. I have never been contacted by this company by phone or writing no voice mail or any type of representation that I owed a debt to anyone recieved no mail. One hit from this company has already went against my credit recently as a day ago for XXXX dollars which if was aware of would have paid. Now I believe they are hitting me with another one as my credit monitoring has stated that they are putting another one against my credit soon. Again with no reporting to me or anything. I have not recieved a single bill statement notice to appear or anything. Was not given fair oppratunity to make right before going against my credit. I need help my credit is excellent and should not be ruined or tarnished for a company that's has never notified me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a Capital One Credit Card for 4 years. I never used the card before and kept requesting a copy of the card because I have never had possession of the card. They keep 'mailing ' it to me but I never get it. For some reason they pull my credit report 1-3 times per month for the last several years. I called them and everyone I speak to just transfers me and says 'it is out of their expertise. ' I want Capital One to stop pulling my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: Vertical Screen
State: TX

Complaint narrative:
please see prior attempt for sumission of information. I will contact my lawyer to dispute this XXXX  suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Signed agreed order to bring mortgage current. 
Paid all attorney fees Paid all late fees Paid all agreed and keep mortgsge current. 
This is the agrred order that was signed by both parties and signed by the chapter XXXX Judge. 

I have been done everything as I agreed to but the mortgage refisrd to report my credit to Reporting agencies.

Refuses to rven look at refinancing, this Shellpoint mortgage has consistently gendered my attempts to ask for help getting this done.. 
Making it impossible. 
I need help. If so done could just look at what this company has done and homd out if their way to make it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I had some unauthorized transactions on my Acct and I made them aware of that. I called to check on my dispute status and they closed my acct because my voice wasnt deep enough to be a man and I find that highly offensive. I kept being called maam and after correcting them they kept doing that. Then suspended my acct with out even telling me. At this point I just want my remaining funds from the acct. I dont even wish to continue banking with you guys. Ive struggled with being judged all my life and never would have thought I would have to deal with it as an adult. I told the agent that my id was stolen along with my card and I dont have the funds to get another id because my acct with all my money was suspended. Is there anything you can do to help me that would be greatly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I contacted Principal XXXX XXXX for Advanced Collection Bureau , Inc. with a letter dated XX/XX/2020. Multiple times Advanced Collection Bureau , Inc. failed to respond to me directly the consumer and failed to fully verify and/or validate the alleged debt. All three credit Bureaus allege it has been verified with no full complete verification of it. Advanced Collection Bureau, XXXX XXXX XXXX amd XXXX XXXX have been acting in fraud in dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN

Complaint narrative:
On XX/XX/XXXX I received a letter from a company saying they would help me in my lawsuit. I immediately thought, what lawsuit? I then went onto XXXX, searched my name, and found that I am being sued by a company I've never heard of nor heard from. I googled, tried to call the company and left a voicemail and submitted an e-mail to them online saying I'd never heard of them how could they be suing me. I also sent this same information to the lawyer representing them. I told both parties that I am more than happy to pay my debt, which I had been trying to find to no success, but these people had NEVER tried to contact me. They had received the account back in XXXX of XXXX and then apparently just sat on it. Not once did they mail me, call me, or anything. Obviously they had my information as it was all nice and done in the lawsuit against me. How can someone just sue me without trying at all to collect? They claimed they had XXXX XXXX XXXX down as representing me but I do not work with them and have not worked with them. So this company erroneously thinks I'm working with someone I'm not and when they shockingly don't hear back from that company that I'm not working with they sue me??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MA

Complaint narrative:
In XX/XX/2019 I contacted XXXX  XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX  deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have lost my baby see attachments.

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