vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
Hi First Credit Collections Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: PA

Complaint narrative:
I checked my transaction history on XX/XX/2020 the same day I called the PA EppiCard Customer Service to report it, the first level customer service representative transferred me to level 2 customer service only time I had the opportunity to talk to them, the lady who answered " took my request '' for all the fraud transactions I had from XXXX to XX/XX/2020 almost {$1000.00} in total, they mailed a new card which I received 2 weeks later, time past and I didn't heard anything from them about the transactions, so I called again at the end of XXXX, the representative told me, he can see the request for a new card, but they never enter a dispute for all the transactions, since the end of XXXX I have been calling them in a regular basis ( once a week ) to be in hold on the second level customer line that never answer. Worst company ever, in the picture attach is my try last night XX/XX/2020, as I am writing this I'm on hold in the line waiting for the 2 level customer service representative to pick up the line, have been 50 minutes and nothing. The name of the rep in the first level is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX  and XXXX reported late payments in XXXX and XXXX of XXXX, while XXXX  reported three late payments in XXXX, XXXX, and XXXX of XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XXXX of XXXX. There are also several inconsistencies regarding account XXXX in the payment history section. XXXX  is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX  in the months of XXXX, XXXX, and XXXX of XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.

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 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I disputed the debt with ARS ACCOUNT RESOLUTION XXXX. They are still reporting it on my account. I have never received validation of the debt according to the Fair Debt Collection Practices Act. ARS ACCOUNT RESOLUTION is a debt collector. They are not a creditor and have never lent me any money. They are trying to extort me by reporting an account on my CREDIT report as if they are a creditor. They are not a creditor and have no license to provide credit to anyone. They are damaging my credit score and not permitting me to buy a home without having to buy my rate due to my low credit score. They need to delete the negative tradeline on my 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 2020-10-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
My wife and I have been getting calls from XXXX  ( collection company for XXXX ) the calls started Monday say we owed a bill. They say the service was disconnected in XXXX of XXXX and that we owe a bill over XXXX. The service was discontinued in XXXX of XXXX and the equipment was returned in XXXX of XXXX. We moved the end of XXXX this year XXXX and have no bill associated with the company listed. We have several confirmation emails from XXXX saying the service was canceled late last year and a receipt from XXXX from where we mailed back the equipment. They have called at least 10-13 times ( 3-5 times a day ). They are rude, hateful and outright disrespectful. They have been told not to call again, we have emailed the company with proof. We are contacting a lawyer if this does not stop. 

Company phone number 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 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2020 the BECU Credit Union ran my credit check with the XXXX  credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that XXXX  is showing to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX USDOE/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what being reported on all 3 credit bureaus and probably XXXX and XXXX is incorrect information. Its being reported as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Upon reviewing my account with Toyota Financial CompanXXXX, I realize Toyota Financial has inadvertently miswrote my housing address which as a result caused me to not receive my billing statements. As a result of this address error, I did not receive my statement and was ultimately late on my account due to the creditors negligence. I am requested that this late payment be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, I sent a letter to Progressive Management. This collection agency is reporting a medical debt that is not mine. They are also increasing the balance on my credit report every month and this is illegal. I requested signed medical documents for this debt. On XX/XX/2020, they replied that they need me to send a copy of my driver 's license and a copy off a Fraud report. 

As you can see, I ask this company for debt verification and they want my identification?. 
Why will I provide my identification to a collection agency when O am the one asking them to send me signed verification documents for a debt that they are reporting that does not belong to me?. 

On XX/XX/2020 I replied to their letter, I wrote an Affidavit as they requested and to this day, the company has not replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC
State: FL

Complaint narrative:
I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan is currently in deferment. I would like to end the deferment and be placed on an " extended graduated '' payment plan. I work full-time for the XXXX XXXX XXXX XXXX a week and have sufficient stable income. The student loan servicer told me that they can not put me on a payment plan because I am currently in school ( I take classes online during nighttime for a XXXX XXXX XXXX  ). They told me I can make payments at any time, but they can not put me on a payment plan. This situation is causing financial hardship for me because I am unable to refinance my mortgage because XXXX assume that my payments would be 1-2 % of the outstanding balance, which would be at least $ XXXX  monthly. If I could get on the extended graduated payment plan then my payments would be only {$330.00} / month and my mortgage refinance would save me over {$600.00} per month. I also would qualify for student loan forgiveness after I make 120 " scheduled '' payments. Payments that I make during deferral do not count, so I am losing money on this as well. All I want is to get on a payment plan and have monthly payments scheduled from my servicer. The servicer said it would be illegal for them to put me on a repayment plan while I am in school ( even though I request it ). I can not believe that that is true, especially since this is causing me to lose a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Calling me before XXXX XXXX on XX/XX/2020. Calling me and saying it was a business call on XX/XX/2020 and not asking me what it was for. Never received a certified envelope in the mail or a due date for the 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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank closed my checking account and savings account two weeks after I opened the account without telling me for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, La XXXX Account Number/SSN : XXXX Re : My mortgage Loan : / XXXX Date : XX/XX/2020 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a Few late payments reported on XX/XX/XXXX/XX/XX/XXXX,  XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. 
I want you to know that I understand my financial obligations, and if it werent for Going through a BAD DIVORCE ( hardship, etc ), Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. Im working hard to structure a solid foundation for myself and my XXXX kids going forward. 
Im planning to re-establish my credit and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments listed above. Thank you for your consideration, and I hope youll approve of my request. 
May XXXX forever blesses you is my prayer. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Back on XX/XX/2020, I loaded {$200.00} on my paypal cash debit card and I purchased a room at the XXXX XXXX which charged me at about {$160.00} including a security deposit of {$50.00} which I was due to receive back after I left the hotel. This money was taking from my account as a pending charge which left me with the remaining. 
I made two other purchases after that which lefted me with a positive balance. 
Also on XX/XX/2020, I was robbed for my cell phone and my PayPal mobile App was compromised and the pass word was changed not enabling to get on the mobile app. 
I called customer service and was told that I had negative balance of {$48.00} which I didn't understand because PayPal doesn't allow you to overdraft your account because it's a prepaid card company that you have to put your own money on the card. 
My card became restricted due to this matter and I spoke to a PayPal agent about my concerns and I filed a dispute. 
I was given back a credit of {$50.00}, but was still responsible for the overdraft of {$48.00}. 
On XX/XX/2020, I spoke to another PayPal female agent to address this issue and we were on the phone for over an hour trying to figure out how I got into an overdraft in the first place and she couldn't figure out the answer and she told me that I had a balance of {$1.00} and change. This was after the {$50.00} was reimbursed from me from the hotel stay at the XXXX XXXX. 
She stated that she would connect me wit a PayPal specialist, but when she did no one ever came to the phone which didn't surprise me because PayPal has a practiced of using the excuse of low staff for not being able to speak to a consumer. 
I feel that I should have at {$50.00} in my account and the overdraft was an error on PayPal not me because I never purchased anything to be in an overdraft and if the person who had access to my mobile app shouldn't have been allow to overdraft my account because PayPal has overdraft protection and don't even allow consumers to overdraft on their prepaid cash debit card. So I am having a big issue with PayPal and feel that PayPal has unlawfully cheated me out my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
good Afternoon, XX/XX/2020. 
I am reporting severe deposit, withdraw and posting and avalible funds issues due to victimization of abuse of power and raquiteering of my idenity. I Request my financial benefits posted and available legally as indicated by international law. I also request my contranct to be honored

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