vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
I never received statements for purchases. I was denied credit, and discovered that there was inaccurate information from Nordstrom 's and TD Bank on my credit report as a result of these statements which I did not receive. I would have happily paid for these purchases promptly had I received statements. Six months later, they are now asking for nearly DOUBLE the amount after late fees and interest. This is predatory and illegal. I never received any mail or calls or emails or texts about this, although wouldn't you know it, I have received plenty of advertisements. I made sure that I am NOT signed up for paperless, for exactly this reason. 

I called the company today and wanted to pay for these purchases if they would just fix the inaccuracies on the credit report and remove the illegitimate fees. They refused and said that their records indicate the statements were mailed. I never received these statements. I did move XXXX months ago, but I should have received several statements prior to this change. I confirmed that the address that they had on file on that time and the new address are correct. The reps I spoke with stated that they are not allowed to call people in Maryland ; I have never heard of this before, it does not make any sense, I would prefer a phone call or text, and I have had no problem receiving calls from other financial companies. After XXXX minutes on the phone with XXXX different people, XXXX refused to allow me to speak to a supervisor or provide contact information. 

I just want to pay for the original purchase amount, ASAP, after receiving an apology and a guarantee that this inaccurate information on my credit report will be corrected promptly and that these illegitimate fees and interest are deleted. Why is that so hard?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Im refused for everything its not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I received email communication in XXXX of 2021 that XXXX, the financial rent assistance program through XXXX XXXX would pay my apartment complex XXXX XXXX ( XXXX XXXX XXXX ) {$5300.00} in rent assistance. XXXX XXXX still maintains that the funds were never issued to them, and its almost two years since this incident occurred. I was issued an eviction notice at the time and this debt has since been put my on my credit and has adversely affected by this.

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 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied for a refinance mortgage loan with Rocket Mortgage on XX/XX/XXXX. The mortgage broker XXXX XXXX refused to utilized all my income and W2s due to the amount of time it would take to verify employment. Rocket ended up denying me for unstable income. They did not send me any letter of denial. I then decided to try again with another lender XXXX XXXX. XXXX XXXX approved me for the same refinance home loan. While trying to approve my loan in the FHA system XXXX XXXX was stopped by FHA because Rocket logged unstable income into the FHA system. XXXX XXXX requested that I contact XXXX to have this updated. I called rocket several times and spoke with XXXX XXXX in executive customer care. She also sent me a copy of my denial letter in which I am attaching. She stated they will not remove the rejection and advised I was denied for unstable income. I have been on my main job for over 12 years. I also work several contact job to boost my income and have done so for the past 6 years. I felt Rocket discriminated against me because I did have multiple jobs and did not due their due diligence to get me approved for the FHA Loan. Further more marking in the system that my income is unstable is not true. Based on my W2. my AGI for XXXX was XXXX for XXXX XXXX and XXXX XXXX. Rocket utilized their overlay rules in which they are entitled to do but those rules should not affect FHA Approval. XXXX advised that the new lender would need to resolve the unstable income claim. I requested a detailed letter of the denial reason or if their underwriter can place the reason in the FHA system so my new lender can address and XXXX refused that as well. So here it is I have a denial credit reject in the FHA system with no details. XXXX is refusing to remove the reject, they are also refusing to provide specific details on the reject.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
During a Timeshare presentation on XX/XX/2023 at XXXX XXXX. The sales consultant I sat with for 9 hours used predatory lending practices on me. I arrived at my XXXX XXXX  appointment to ONLY listen to the presentation with the intentions to not purchase anything. As soon as I sat down with XXXX, I told her I was unemployed, my dad had just passed away and I wasn't buying anything. She went on and on asking me about my upbringing, my personal relationships with my sisters and my children. She told me that she she's herself in me. I'm afraid to live, she stated how us XXXX people live in fear and don't want to take chances and invest in real estate. She stated that purchasing a timeshare would allow me to own real estate, I will receive a deed and I can pass it down to my children. Out of nowhere the man who gave the presentation rushed over, gave me tissue and started talking about how I can use the timeshare as an XXXX and generate income. I believe he the one ran my name for the credit card because he commended me on my credit score. I've never heard of Barclays Bank. There is no reason for me to need a Barclay 's credit card. This account is not mine. I explained to XXXX that I could not afford a timeshare and that was not a smart investment. After sitting with her for 9 hours, she called a friend of hers & told him, " I found your wife! '' She also invited me on a trip to XXXX. We mostly talked about my personal life. I still don't quite understand timeshare and I most certainly didn't sign up for a credit card. XXXX used predatory lending practices. She dug deep into my pain, and used that to prey on me and my emotions. I felt as though I was in a therapy session revealing my skeletons and talking about my childhood and broken relationships. I've emailed. I've called, I've also disputed this credit card with all three credit bureaus.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to Experian and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.

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 2023-03-06 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN

Complaint narrative:
I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and Equifax in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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 — Problem with personal statement of dispute
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i Sent a VALIDATION of debt request to Frontline Asset Strategies. The company refuses to PROVE that i have a legal obligation to pay this debt, and refuses to sent the requested information. The company also failed to provide detailed steps used to ensure this was my debt. I have sent several letters to the company including a debt VALIDATION/ PROOF letter, and the requested documents were not sent. I dispute this debt. i am requesting an original contract with my signature showing that the debt is VALID and is my debt. If this can not be provided the debt must be removed from all 3 major CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
Hi, I had a gym membership with XXXX XXXX. Their payment processor is XXXX XXXX XXXX. I had this membership since XXXX. On my contract, it states that the membership expires on XXXX, but I have been paying literally for 3 years since. Over XXXX XXXX I stopped paying because I sent a letter of cancellation which they refused delivery of and it was returned to me. The contract states that it is void 36 months after its inception which would be XXXX. They sold my debt to First Credit Services in XXXX. This would not be valid because my contract is void and I already cancelled it by certified letter Therefore, I do not owe them a thing. In addition, First Credit Services has never attempted to contact me. I just found out about the debt this week when the gym emailed me when they emailed me and stated that if i paid, they would remove this from my credit. That is not how this works. I believe they breached my contract and are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I've disputed this account multiple times and it's been previously removed from my credit report but continues to return. After it was removed from my credit report there is no verification sent to me. It's negatively affecting my credit score and not allowing me to gain 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 2023-03-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Accounts XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Upon my review of my consumer reports it has come to my attention that you ( Experian ) are reporting 2 Bankruptcies account/accounts to my consumer reports that were supposedly investigated and verified ; however upon communication with the bankruptcy courts, the courts advise that they do not report to the consumer reporting agencies ; therefore it was impossible for Experian to validate if the courts is communicating they dont validate or report Additionally I did not give Experian express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character Experian have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

18 U.S. Code 1028A- Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Sincerely, 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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. I sent XXXX XXXX  a letter requesting validation of this debt and all documents attached to this account. Here is the tracking to prove it # XXXX XXXX XXXX XXXX XXXX. In return of the letters I received, nothing they sent me matches to the information they are verifying on my credit reports. Not only are they verifying inconsistent information to each credit bureau but they are also reporting a balance they say I owe that is invalid, as well as the last reported date of payment and activity on this account. It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RE : CASE NUMBER XXXX Please note that I have contacted Wells Fargo several times requesting my XXXX Escrow Review Statement. Each time I received empty promises by customer service representatives that it would be mailed within ten business days. 

Instead of sending me requested document, however, on XX/XX/XXXX, I received an email stating my tax document has been corrected... 

Wells Fargo Mortgage 's continuous failure to give me correct information without delays, as required by law, leaves much to be desired from a mortgage lender. 

Kindly assist.

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 2023-03-06 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordant with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation