vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I, XXXX XXXX XXXX, attempted to open a line of credit with a major credit company. I was told due to a mark on my credit report that I can not participate in such lines of credit. I checked my report through my bank, and saw a collection for the total of. XXXX $ on the date of XX/XX/2018. I never received a call, or a letter of verification or ability to dispute within 30 days. I was never informed of where this apparent debt was incurred, or how I could even potentially pay it off. 
This is a clear violation of the Federal Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: CO

Complaint narrative:
Experian is reporting my credit score at 60 points LOWER than XXXX  AND XXXX! Why such a drastic difference? Why are credit bureaus score differently? 

I have been working very hard to repair and rebuild my credit after being unemployed for six months during the covid19 outbreak. Experian is not correctly reflecting my score compared to the others. 

This is not fair that you never know where you stand with your credit! You never know what credit report will be pulled for things like renting an apartment or purchasing an asset and you never know what your score will be? How is this fair? Just because you have a credit monitoring app doesn't mean the score will be the same when a creditor or landlord pulls a report. Again, how is this fair? 

There is no education available as to how each credit bureau calculates your score. Everything is so mysterious! What about transparency, and fair credit practices? There should only be 1, ONE, credit bureau, with actual published, scoring practices so that people can track their own score intelligently, without suprises! 

Experian is preventing me from getting an apartment, unless I pay extra in up front rent and security deposits! This is discriminatory practices and I request and demand an investigation of the credit bureau 's practices, and to why there are 3 credit bureaus with different scoring practices!

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 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have directly attempted to resolve this matter directly with this company, however they have continued to ignore my correspondence while they violate federal laws. LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine Weiner has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
As of XX/XX/21 I'm receiving spam calls on landline phone. Message says that my Amazon charge card has been charged for $ 700+ dollars for items I did not purchase and directs me to select the numeral 1 for more information. I did not press the phone link. I did check my Amazon account information and there are no charges for items I did not make. I don't know what would happen after pressing " 1 '' and do not want to find out. I have received 3 of these calls today. Phone numbers the calls are coming from is " XXXX and 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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
We received a letter purportedly from Bank of the West dated XX/XX/XXXX stating that they needed to update our information or they would close our account on XX/XX/XXXX. We believed the letter to be fraudulent because it was clearly a copy and had no signature line -- it did not look like other letters we had received from the bank in the past. Also, it said the bank had made " multiple attempts to contact '' us and we knew that was not true. On XX/XX/XXXX my husband went to our local branch ( XXXX XXXX ) with the letter and asked to speak to a manager. He spoke to one XXXX XXXX who made a phone call and then said the letter was legitimate. He confirmed my husband 's information and said he would need to speak to me personally to confirm mine, but that it could be done on the phone. The same day Mr. XXXX and I spoke by phone ; we updated my contact information, which was indeed out of date ( but my husband 's was NOT out of date ), and I gave him my CA driver 's license number and expiration date. He told us we were all set. On XX/XX/XXXX my husband went to the branch to deposit his paycheck, and was told he did not have an account there. He asked to speak the manager, who said he didn't know what had happened, but that our accounts had been closed. Our checking account there is used for all of our automatic payments, my automatic paycheck deposit, and has one check outstanding ( # XXXX written on XX/XX/XXXX ). That same day I phoned the number on the letter we had thought was fraudulent, asking to speak with XXXX XXXX ( XXXX ). He said our account closure had been initiated by the bank branch. He said a check for our funds was sent out. We asked how it was sent out, and he said because of the amount ( around {$250000.00}, our live savings ), it would " probably '' be sent by XXXX not by regular mail. Except we are not at our address, we are at my mother 's house, staying for an extended period. We asked what the tracking number was, they didn't know. We asked if a signature was required, they didn't know. We asked if ANYBODY could just sign for it or if ID would be required, they didn't know. They said they would get back to us on it and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The account should be removed from report because it was opened in 2013. It's been past 7 years. The account has also been paid. The account is hindering me from obtaining housing, which is causing so much distress to my family. Please remove from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Financial Services is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. Experian, XXXX, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened an American Express Platinum card in XX/XX/XXXX with card opening bonus of XXXX Membership Rewards after spending {$5000.00} in purchases in the first 6 months. The first 6 months period ended on XX/XX/XXXX. I checked at least 3 times with customer service through phone calls after this period ended and spoke with a manager one time -- they all confirmed that I had met the spending requirements to earn the card opening bonus and stated that they made notes on my account about this matter. They all stated that the automated calculation of my spending during the first 6 months are incorrect, and their manual calculation yielded more than {$6000.00} of spending during the same timeframe of the first 6 months. However, until today XX/XX/XXXX, I still don't see my card opening bonus of XXXX Membership Rewards get posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: CA

Complaint narrative:
Upon reviewing a copy of my credit report, I see an entry listing, such as I owe {$150.00} or my account was charged off {$150.00} in XXXX. The account 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 2021-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, Equifax, and XXXX  on this date. XXXX XXXX, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

Equifax and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and Equifax and XXXX. 

XXXX XXXXXXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX XXXX is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and Equifax are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and Equifax fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TX

Complaint narrative:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, XXXX, and Transunion have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

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 2021-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, Equifax, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My ID and debit card were stolen. After being stolen, the thief deposited a fraud check into my bank account, after depositing the fraud check, the person then had access to view my balance. They then went to multiple retail stores making large purchases back to back. I disputed this with my bank ( State Employees Credit Union ) who denied my dispute stating that this wasnt a viable fraud claim. State employees did not do a thorough investigation if they had then they would know this is fraud. They failed to verify my identity when the thief went to the bank with my ID and was allowed to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX XXXX : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but Capital One did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to Capital One, XXXX, and XXXX  on this date. Capital One, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

XXXX  and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both Capital One and XXXX  and XXXX. 

Capital One turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for Capital One. 


Capital One, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. Capital One and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if Capital One and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Case Number XXXX with Capital One for Platinum Mastercard ending XXXX. 
A total of {$2000.00} excessive, fraudulent charges were debited to my Capital One credit card by XXXX. I was a new customer to XXXX in XXXX and authorized {$49.00} to be charged to my account for electricity. I disputed a charge by XXXX in the amount of {$1700.00} on XX/XX/2821. The other excessive charges in 2021 were as follows : XX/XX/XXXX 3 {$49.00} each total {$140.00} XX/XX/XXXX 1 {$49.00} XX/XX/XXXX 1 {$84.00} The total excessive charges is {$2000.00}. These charges have been declared excessive and fraudulent by Texas Attorney General, XXXX XXXX. XXXX has filed for Bankruptcy and is not in a position to issue a refund. Capital One at first credited the {$1700.00} and then re-charged my account negating my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There were two cash advance checks that were charged on my CC ending in XXXX. 
The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.

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 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In XXXX of 2021 I ran my credit report and noticed there was a collection balance of XXXX. 

I logged on to their website and paid the balance in full. The account wasn't updated. I then disputed the amount on my credit report with the credit agency but it still was not removed. I then sent a letter directly to XXXX XXXX along with a copy of the bank statement showing the funds were paid. The amount is still listed on my credit report. 

After receiving the payment in XXXX they sent me a letter stating I owned them amount that were now past the 7 year mark. I think they took the amount I paid them and tried to apply them to amounts that are past the 7 year period. 

If they do not remove the collection from my account I will be forced to reverse the charges as I will not pay for any amounts that have not been verified as legitimate. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation