vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: VA

Complaint narrative:
The reason for my filing of this complaint is that this company is not adhering to consumer set laws. I have written to this company for a number of times including XXXX giving them all the details that they need to proof that I am a victim of identity theft. But until now they are still reporting these erroneous, fraudulent accounts on my credit report. 

I am attaching all the documents that i sent them that is 1. my dispute letter to them dated XXXX XXXX. My FTC report filed by FTC that same date. 

Please have it known that I am a victim of identity theft. My Personal information was compromised, I don't know how but as a result fraudulent accounts and Inquiries were opened on my behalf without my authorization. 

Fraudulent accounts : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX J XXXX XXXX XXXX, Account # XXXX Untitled, Account # XXXX Fraudulent Inquiries : XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX   Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
After reviewing my credit profile, I noticed I had several fraudulent accounts reporting my credit profile. 

XXXX ******* LVNV FUNDING LLC Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance on XX/XX/XXXX {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Experian sent me an email stating that my FICO is XXXX with a credit usage of 50 %. 

0n XX/XX/XXXX I paid off a credit card that had an account usage of 7l %. 

On XX/XX/XXXX Experian sent an email stating that my Credit card balance was XXXX and my total credit usage was % 9 but my Fico dropped to XXXX. I called Experian customer service reported my issue to the representative and was informed that the organization couldn't tell me why the fico dropped without any new derogatory entries. I asked to be transferred to a supervisor, the supervisor stated that she didn't have an explanation and no one in the b organization could do anything about it and suggested that I hire a licensed credit advisor to explain what Experian had done. 

If they can't explain their own actions they should not have the authority to publish information that is financially debilitating. 

I paid off the credit card to increase my fico for a pending large transaction.

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 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are 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 2020-08-04 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I tried contacting this company via mail and phone with no success this debit is false and affecting my livelihood. This letter is to notify you that you have posted a " Consumer Dispute Statement '' on my credit report that is preventing me from obtaining mortgage financing. While it is my right to post a consumer statement on my credit report with credit reporting agencies. The account history information reporting on my credit profile with the three major credit reporting agencies ( XXXX, XXXX and XXXX ) for the accounts listed above are reporting accurately and are not in dispute. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company.

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 2020-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.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 2020-08-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This card was opened to put out of pocket XXXX costs on for my daughter in the amount of {$1200.00}. I went online and created an account when the first statement arrived in late XX/XX/2019 for ease of first payment that was due on or before XX/XX/2019. I first tried paying online thru my account and the option was not available. The chat was unavailable and the option to send a secure message was not working either. I then tried making a payment over the phone and it was not accepting debit card payments nor was anyone able to take a phone payment. I would call and sit on hold for 20+ minutes multiple times daily/weekly. This went on for a while and ultimately I got frustrated waiting to pay overdue balance. I have never had worse issues with making a payment to a credit card company as I did with Care Credit. I finally was able to get account current and made a few payments and the account was closed for new purchases by the creditor. This which was fine as I did not want to deal with this nonsense and the ability for them to impact my credit negatively. After numerous attempts weekly online, via phone I was finally able to get a payment made. Care Credit made it virtually impossible to make a payment and now I am being penalized which I think is a poor business practice. I am expecting that they retract the late payments that are showing on my credit report as this is of no fault of my own.

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 2020-08-04 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: Sequium Asset Solutions, LLC
State: RI

Complaint narrative:
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit XXXX are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Its an item on all Three credit bureaus for the amount of XXXX .i dont know who this company is. They never contacted me and I never received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I agreed to pay a settlement to National Credit Adjustors for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations. 

On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully. 

I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated. 

XXXX XXXX, supervisor refused to get on the phone or have any communication with myself. 

The debt has already been established as not being valid, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank has Invading my privacy. With numeral of phone call from collect agency different companies calling me from XXXX o'clock in the morning to XXXX o'clock afternoon. Since XXXX In has not stop yet evening with the crisis of XXXX Executor order [ CRA ] Was put in place on XX/XX/XXXX XXXX. They trying to collect and they doing everything to invade my telephone line my telephone line so phone is a private property. I use my cell phone to conduct business I can not conduct any business with being instruct every time. 
The violation they had cast in mentally, strees with all this situation is going on now they don't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
Have an ongoing loan with TD auto finance. In XXXX, I became XXXX  with XXXXXXXX XXXX and lost nearly six weeks of work. I called TDAF and they offered to put my payments on hold until I was back on my feet. I had a letter from my Hospital. I resumed my payments last month. I received a letter in what appears to be a fake certified envelope with a date as delivered different from the actual date it was delivered. Letter stated I had to come up with nearly 4000 $ by XX/XX/XXXX as a balloon payment or they would begin reposection. The envelope did not have a return receipt to sign by the Addressee. Just getting back on my feet leaves me in no position to come up with a balloon payment. I am on Social Security. They never told me i would have to pay all this back. Its listed on my credit report as a charge off due to the bank offering assistance with covid 19. Can they do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I recently contacted this company and they said I was not in there system. If Im not in the system how could they be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This collection just show up on my credit report XX/XX/2020. I have no knowledge on this account all my accounts are paid as agreed monthly, I would like this collection to be removed never get any letter with explanation or where the debt is coming from. Amount due according to collection agency is {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
I called a third party company that the collection was paid to and asked that they report the account as paid to the credit bureau. They said they do not deal with credit reports and the account was no longer in their hands and I had to contact the credit bureau 's to correct the status. The comment on my credit report shows as paid but still reflects as a collection account. I am looking to get this to reflect correctly as paid. 

Convergent {$170.00}

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 2020-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX I have called every number in the book just to be put on hold and tell me they cant give me any information. I have done everything chase bank has told me to do and no one has done anything about this issue being resolved. Going on 4 months now and I have still not received my checks due to them closing my accounts without any warnings. I have talked to branch managers, every number given and still its XXXX and Nothing. I was told once Chase closes my accounts I would receive my money. I had received an email surprisingly stating it was closed. And after 10 business days I would have my money. That is not the case and I am at a complete lost here. Please help me resolve this and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation