vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am dealing with the company Portfolio Recovery Associates. They are attempting to collect on a debt that is not mine. I sent them a letter for VALIDATION asking for proof that I have a contract bearing my signature with their company.as I also asked them for documents to show what the money they say I owed them was for, how they calculated that amount. I asked for any and all evidence that they can provide. 



I asked for a validation with specific questions pertaining to validation, they did not respond to my letter as. I politely asked. They are reporting a fraudulent tradeline on my credit report that is impacting me severely during this Covid 19 epidemic. I am providing all documents to support my complaint. 

Portfolio Recovery Associates, LLC is a very nasty company that preys on hard working Americans and should be ashamed of the terrible things they are constantly doing to good citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NC

Complaint narrative:
I applied for furniture credit on XX/XX/2020 and i was denied by Synchrony Bank Rooms To Go. They could not tell me why and I was told to wait for the letter. Prior, I received a letter from Synchrony bank stating that credit was denied for outdoor furniture due to incorrect information and I was listed as deceased. Please help.

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 2020-07-07 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: CA

Complaint narrative:
IVE BEEN VICTIM OF IDENTITY THEFT

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 2020-07-07 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: CA

Complaint narrative:
IVE BEEN VICTIM OF IDENTITY THEFT

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I have been contacted by ; DYNAMIC RECOVERY SOLUTIONS They state the Current Creditor is : XXXX XXXX XXXX. They do not have a full original account number and only show four digits for a presumed account. 
They state the Total Outstanding Balance : {$17000.00} I received the last letter from them dated : XX/XX/2020 They have been consistently calling my home phone at all hours of the day and night trying to hassle me into agree to owing said amount. I have hung up and now do not wait for the call to connect before hanging up. I have requested they no longer contact me at the number they have. 

I do not owe this amount to DYNAMIC RECOVERY SOLUTIONS. My credit is good and I have no interest in their presumed offer to resolve said debt. Any previously owed money has passed the law of limitations and I can no longer be sued nor can it be reported. This has been many, many years ago. 

They state that " the law limits how long I can be sued on a debt. Because of the age of my debt, XXXX XXXX XXXX will not sue me for it, and XXXX XXXX will not report it to any credit reporting agency ''. 

I wish for this company to cease and desist contacting me for presumed debit or any other reason. 

Thank you for your help in this matter as I have been unsuccessful in getting this company to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
This is for the American Express XXXX XXXX XXXX, until XX/XX/2020, they have sending me a statement with due date specified but starting from XXXX they only saying that " please pay by " XX/XX/XXXX '' which is 10days earlier than a due date I had ever since the account has opened. 

I called twice to customer service and they said they just doing this to remind the cardholder and nothing to do with any other reasons. 

In this result lot of people will get freak out, unless calling the customer service then they will say your due date is still the same but this due date is not stated on statement anywhere, meaning I can not see what is AMX 's intention to doing this and I am not quite sure this is legal or lawful. 

This will result in stress to a few cardholders and maybe and XXXX send payments 10 days early, so millions of dollars pre-collected from their member, they can take financial advantage. 

Please look into this, I have statements to proves what I state this complaint and attached. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/XXXX I received a copy of my credit history report from Transunion. That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX, FL 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 2020-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward deployed to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Went to XXXX XXXX XXXX XXXX on XX/XX/15 to get XXXX  XXXX. I changed my mind and cancelled my appointment because they did not have the XXXX XXXX XXXX  that they told me they had days prior over the phone. XXXX XXXX XXXX XXXX charged my insurance for the planned services even though I did not receive the services. After receiving a payout from my insurance, XXXX XXXX XXXX XXXX sent an incorrect balance to Capital Accounts LLC even though I did not owe anything because I did not receive any services. After multiple disputes ( more than 4 disputes ) through XXXX  credit reporting agency, Capital Accounts LLC has been reluctant to remove the incorrect collections account from my credit reports even when supporting documentation was provided and XXXX XXXX XXXX XXXX has acknowledged the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Regarding Escrow Refund dated XX/XX/XXXX for {$2300.00} from Freedom Mortgage. Concerning not receiving the escrow refund, having contacted the Freedom Mortgage on XX/XX/XXXX, Customer Service over the phone ( XXXX ), then again XX/XX/XXXX by email with acknowledgment of receipt of the inquiry, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which indicated to me that the check would be sent 5-7 business days, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which now indicated 6-8 weeks, and if check not received by then, needed to resubmit the request for the check for another 6-8 weeks wait-time. I asked CS XXXX to have his supervisor call me to explain and as of today still no response.

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 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XX/XX/2019

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
*** Dear to whom it may concern, My name is XXXX  XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX XXXX These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Conn's, Inc.
State: WA

Complaint narrative:
I settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. 
Ive missed out on multiple financial opportunities because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,30067- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Conn's, Inc.
State: TX

Complaint narrative:
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company  whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

Conns XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX {$7400.00} Both companies reporting same debt and conflicting amounts owed, also Conns reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I returned two items to Nordstrom via USPS on XX/XX/XXXX, tracking for the returned item/package states it was received on XX/XX/XXXX. Through multiple contacts to Nordstrom chat and customer service line Ive been given different time frames for when my return will be processed. Its now been 34 consecutive days and 24 business days since I provided my return via usps, the FAQ section on the Nordstrom website states returns are proceed 10-14 business days, we are now 10 business days past the maximum business allotted to a return as per the FAQ section. On my Nordstrom card I keep receiving a charge of interest for this purchase when I do not have the item with me and I returned it once I received the return label. On XX/XX/XXXX I was told via a chat with the Nordstrom customer service that I should expect a return by Tuesday XX/XX/XXXX, it is now Tuesday XX/XX/XXXX and I place a call to Nordstrom customer service only to be told that only one item was returned and I should be receiving a gift card in the mail for it ( WHEN I PAID VIA A NORDSTROM CARD, I should be refunded in the method of which I paid ) and that the other item that was returned together, had not been processed and THIRTY days later they could still not tell me why. With a pandemic in place Im unsure where the logic of giving a gift card makes sense if I made a return because I didnt like the item and the item was approved for return because Nordstrom provided me a tracking label, that means I need my amount cash/credit paid returned as it was provided not at the choice and discretion of Nordstrom as they please. Im saddened by Nordstroms customer service and lack of communication between staff and towards the customer. I have not received any update on this return, not one email after I was sent the tracking number. And each time I call customer service each person I speak to is lost on the matter and does not understand why Ive been made to wait so long on a return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2020 60 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief