vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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 To Whom It May Concern : Account number # XXXX Account number # XXXX I am filing this compliant because I have recently checked my credit report. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Original Complaint # XXXX : In XX/XX/XXXX, I started a personal loan for {$12000.00} through Discover at 18.99 % interest to pay off outstanding credit card debt with other creditors that were charging high repayment interest rates. In early XXXX, I began restructuring my overall debt portfolio and contacted Discover to negotiate new terms for the personal loan. Discover made only one offer which would lower my monthly payment by extending the period of the loan. With no other options, I accepted this one offer for a lower monthly payment. The interest rate remained the same. In XX/XX/XXXX, I located a not for profit debt consolidation company XXXX XXXX. XXXX contacted Discover and my other debtors to restructure my debt. Although my Discover credit card debt was accepted into the plan with a lower interest rate ( 9.99 % ), Discover declined to do the same for the Discover personal loan because I was already enrolled in the repayment program I had accepted before contacting XXXX. I have contacted Discover at least three times since they declined accepting the loan into the XXXX plan. Discover replied to my first inquiry with a letter in XX/XX/XXXX which explained that the loan was declined because it was already in the payment assistance program accepted earlier. In XX/XX/XXXX and XX/XX/XXXX, I called and spoke to Discover representatives, and both times Discover declined to make any changes to the loan that would allow the acceptance of this debt into the XXXX plan. Discover has refused to make any changes that would allow the debt to be added to the XXXX plan and save me money. The interest Discover is charging is too burdensome for my ability to repay this debt, and I would like to be eligible to at least add the debt to my consolidated repayment plan with XXXX XXXX. 
In the reply letter to the complaint from XXXX XXXX, Executive Office of Customer Advocacy, Discover indicated they would work with XXXX. However, Discover has again rejected the application submitted by XXXX to consolidate the loan. I have called and left messages for XXXX XXXX two times at the number provided in the reply letter to resolve the matter, but no reply has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover in response to your response to my previous CFPB complaints. Please see attaached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX ACIMA CREDIT XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: AZ

Complaint narrative:
I have a garnishment from the company Unifund, CCR,, LLC and XXXX XXXX XXXX that I was never served any paperwork for nor even given a chance to respond. They have never attempted to contact me nor given me an opportunity to dispute this debt or resolve. They just keep filing motions without serving me which has now caused me extreme hardship seeing that I already pay $ XXXX  month in child support and carry health insurance for my youngest daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/2021 Certified Mail Return Receipt required BY EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Resurgent Capital Email : Re : XXXX XXXX Account Number XXXX- XXXX Account Resurgent XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX XXXX Account Resurgent XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX  and CFB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OK

Complaint narrative:
I had an account for years for my granddaughter, the last year a month after the new year began I added her father and XXXX  sisters. when her contract ended after 18 months I paid the final bill returned the phone and moved her to a new company with her same phone number. Her father and sisters contract ended the next month they returned all of their phones except one it was lost and paid their final billed and moved to another company. 
I had XXXX XXXX on all of the phones, which should have covered the lost phone. If not, that would be the only amount owed. Two years later that put on my credit reports that I owe over {$1700.00}. I have asked them twice to send documentation of how I owe {$1700.00}. I haven't received anything in nearly a months time. My granddaughter was with them for 36 months and I never missed a payment, my credit is important to me, why would I do that? And that is the only negative thing on my credit and XXXX has my pay history and the phones. Maybe you can get them to show you my account records, it will prove that I am telling the truth. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt. 

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder

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 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
SunTrust has issued and mailed 2 sets of 3 checks. They thank me for opening both a savings account and checking account. That is not true. I do not believe I have ever been to a SunTrust office or website. I am very concerned about a company issuing checks in my name without my authorization. How can I stop 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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX  credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). TransUnion has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, XXXX has not reported my balance decrease to TransUnion, or TransUnion is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped XXXX points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
AD ASTRA RECOVERY SERVICES is in violation of 15 USC 1692g. AD ASTRA RECOVERY SERVICES did not respond within 5 days of initial communication. I sent a debt validation letter to AD ASTRA RECOVERY SERVICES on XX/XX/21 and they did not respond with the information I asked for. I asked them to send me proof that I owe them this debt. I asked for a signed agreement Debtor has made with debt collector. I asked for the authorized Signature of the creditor. 
They failed to provide me with any contract as proof that I owe them this debt. 
They send me a letter on XX/XX/2021 that included a symbol which is in violation of 15 usc 1692b ( 5 ). 
Rapid cash is also in federal violation for not including the sum of all charges in the finance charge. Violation of 15 usc 1605. I never gave consent to AD ASTRA RECOVERY SERVICES.

AD ASTRA RECOVERY SERVICES is in violation of 15 usc 1692 for stating I owe a debt through mail. After I already sent them a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason. I worked hard for my money. I deposited my stimulus check and also my payroll check into the PayPal account. They immediately put a freeze on it until I could answer them where the money came from. They said there was suspicious activity. I am soooooooooo ANGRY!!!!! I worked hard for that money. Holding my money for 180 days is NOT an option. I am a single lady working hard and I need that money back. If they don't want my business that is completely fine cause at this point I don't trust them. I just need my money back. They are holding a total of XXXX. I talked to account representatives multiple times " Oh XXXX we are sorry for this I will help you '' " here is a voucher for XXXX for the inconvenience ''. NOT interested in a voucher! I also talked to a manager and he said there was nothing he could do. It is their policy to keep accounts " safe ''. I said it was me who deposited the money and it is me in the flesh who set up my account. If I had a question about a transaction I would be the first to call. I got NO help from him. He said it would go to the review board and I would have an answer within 24-72 hours. Answer was I " You can no longer use PayPal ''. I don't understand the 180 days hold on my money!!! Please help me! I am so ANGRY at them. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove

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 2021-06-01 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: U.S. BANCORP
State: MD

Complaint narrative:
I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks

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 2021-06-01 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I received an email from Experian ( Attachment # 1 ) to my secondary email address indicating that my email address was changed on my Experian account. I attempted to login to my account and change my login credentials to prevent my credit information from being stolen. However, my credentials were no longer recognized, and when I tried to retrieve my username or password using my SSN and DOB, nothing was sent to my email as it has been changed in the system. I called Experian using various customer service numbers they list on their website ( XXXX, XXXX, XXXX, and XXXX ) and was unsuccessful. The automated messages asked me to access my account online or enter my credentials ( which were not recognized anymore ), and the only live representatives I could reach were in Business department. These representatives were not able to assist me or transfer me to a manager or Individual department. I then sent two emails to the support team on XX/XX/XXXX and XX/XX/XXXX ( Attachments # 2 and # 3 ) and never received a response. I am a former victim of identity theft and had a credit freeze on my Experian account. Despite having a notice on my account that I do not want changes made to my account without first being contacted, someone was able to take over my account. I am very concerned for my credit health.

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 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
CapitalOne credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). XXXX  has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, CapitalOne has not reported my balance decrease to XXXX, or XXXX  is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped 41 points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.

Company response to consumer: Closed with explanation