vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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:
XXXX has never been verified as an account that belongs to me. Attached is a debt verification letter.

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 2021-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have submitted 3 disputes online through XXXX  regarding and unauthorized hard inquiry on my credit from the department store Kohl 's. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet XXXX does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling XXXX  to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to Kohl 's and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! Kohl 's letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on XXXX credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: IN

Complaint narrative:
I have been repeatedly called by the collection agency " Direct Recovery Services '' from the telephone number XXXX. Every single day at the same time in the morning I get a phone call from them. 

I have told them in the past to not contact me via telephone. However, they then started calling my workplace. I spoke with a very aggressive/sarcastic man when they called my workplace. I told them to not continue to call my work to speak with me. This was sometime last month. 

Today, XX/XX/2021, I got a phone call from my grandmother. Apparently, this company is now calling my grandmother about my debt and she told me they have disclosed my debt situation to my grandmother and also told her to tell me I can settle the debt for 50 % and that it would " behoove me '' to do so. I am absolutely floored by this, and I believe it is definitely illegal for them to be doing this. 

I just feel this is over the top for a debt collection agency, and I could deal with them harassing me but now they are also harassing my family members about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
On or about XX/XX/XXXX received letter from Southwest Credit stating that my account had been placed with them for collection from XXXX for the amount of {$720.00}, but would settle for 65 % of that amount. Also, it had the 30-day notice on this letter for proof of debt. On XX/XX/XXXX I sent out a letter to Southwest Credit requesting validation of debt. 

On or about XX/XX/XXXX received reply to letter requesting validation of debt. All they had sent be were copies of bills from XXXX from XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent another letter to Southwest Credit stating that the information they had sent was not viable evidence and requested because it did not have my signature. I also requested information on each person that had personally verified this alleged account, so I could inquire how they were able to verify without proving proof bearing my signature. I also stated that according to FCT opinion letter from Attorney XXXX XXXX XXXX stating that a printout of a bill or itemized document does not constitute verification. 

On or about XXXX XX/XX/XXXX received the reply from Southwest Credit where they sent the same copies of bills from XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent out a final goodwill request for validation of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/XXXX received a response from Southwest Credit stating that that they were unable to begin an investigation because they feel that my dispute was deemed to be frivolous or unsubstantiated because : 1. The dispute is substantially the same as a dispute previously received 2. The dispute was reasonably determined to have been prepared by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
My mother was still the custodian of an UMTA minor account even though I am of age of majority ( XXXX year ) when she passed away. I did not transfer custodianship to myself within the three months allotted by the financial institution. They will not allow me access to the funds or the account without court issued transfer of custodian in spite me being beyond the age of majority.

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 monetary relief
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to Transunion, XXXX, and transunion. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections le tters until the point of it being sent to an attorney office. I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. My request for information have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Got a letter from XXXX XXXX XXXX XXXX stating I owed PayPal Inc {$100.00} and would take partial payment of XXXX. I called and spoke to PayPal and spoke to PayPal MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
Received a letter from XXXX advising of debt without providing proof of debt being owed.

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 2021-02-09 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB CARD Inquired on XX/XX/2020, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had lease with Ally on XXXX XXXX XXXX XXXX in XX/XX/XXXX I trade my Ally lease for XXXX XXXX XXXX with Ally again the problem I have Ally withdrew from my account for payment on XXXX XXXX the lease that was satisfied on XX/XX/XXXX the payment was withdrawal on XX/XX/XXXX for the car that I didn't owned and now they can find the money they withdrew on XX/XX/XXXX and credit the right account as original conversation with representative on XX/XX/XXXX and he said that money was found and will be relocated to XXXX XXXX XXXX account it's been 6 weeks and XXXX results

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: VA

Complaint narrative:
Got a letter from American Coradius International LLC stating I owed XXXX XXXX {$100.00} and would take partial payment of XXXX. I called and spoke to XXXX  and spoke to XXXX MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: DISCOVER BANK
State: PA

Complaint narrative:
Good morning, I have been requesting by my right as a consumer after looking through my credit report that several accounts be verified under FCRA 611 ( a ) ( 1 ) ( A ) and Discover has failed each time to provide the credit bureaus with substantial PROOF that this account or entry on my consumer report is in fact accurate or mine. I know my right as a consumer and fully intend on pursuing litigation in the amount of {$1000.00} as stated in FCRA laws. If Discover cant provide me with physical documentation i expect for them to uphold my rights and update and delete this account from my report by contacting the bureaus in which they reported this inaccurate report. The account Appears on my report as : Discover BankXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: MD

Complaint narrative:
I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER recently reviewed my credit file and noticed an inaccurate and unverfied account being placed on my account negatively and reporting to the three credit bureaus. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Living funding is a third-party debt collector ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Take note : This account has been disputed and deleted. This is evidence that the account is inaccurate and indeed not belonging to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, am a XXXX helping a seller, XXXX XXXX XXXX, to sell her home. The mortgage company, Shellpoint, is not cooperating with the attorney with the needed documentation to facilitate the loan pay off process. The home being sold is a mobile home and the new lender requires the mobile home titles to be surrendered and the lien released within 5 to 10 days after closing. The seller filed bankruptcy and has already received bankruptcy approval to sell the home on XX/XX/2020. The original contract closing date was XX/XX/2020. The contract has been extended 3 times due to Shellpoint 's unwillingness to facilitate the necessary documentation for getting their loan paid off by XXXX XXXX XXXX. My contact information is XXXX XXXX, XXXX XXXX. The closing attorney 's contact information is XXXX XXXX XXXX XXXX. The attorney representing Shellpoint is XXXX XXXX XXXX XXXX. The loan number with Shellpoint Mortgage is Acct XXXX. Shellpoint 's website is shellpointmtg.com and phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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 — Investigation took more than 30 days
Company: National Collection Systems, Inc.
State: AZ

Complaint narrative:
I've went to the collection agency and disputed their claim under section 809 of the FCRA. I've sent a letter on two different occasions AND NEVER RECIEVED A RESPONSE BACK. This is a violation of the FCRA and the FDCPA. Why are these laws in place if agencies such as " National Credit MGMT '' aren't going to follow and comply with federal law? 

I sent mail to this establishment twice through the USPS postal service through certified mail. XX/XX/XXXX and XX/XX/XXXX One letter was signed for XX/XX/XXXX The other was signed for XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX  is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted XXXX, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from XXXX  and/or the financial company that I was late.

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 2021-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
EOS CCA alleged that I owe them {$32000.00} for student loan debt that they claim they purchased from XXXX XXXX , XXXX EOS CCA REFUSES to provide me with an account statement or any type of written communication to validate this debt. I have asked for such validation in writing on two occasions, via certified mail, in XXXX of XXXX and again today, on XX/XX/XXXX. Today, I again, spoke with XXXX at EOS CCA, who informed me that she could not provide me any account statements or any other such documentation to validate this debt. I have paid monthly payments to EOS CCA for this debt each and every month from XXXX of XXXX through now, XX/XX/XXXX. EOS CCA refuses to provide me with any documentation that reflects receipts of those payments or that such payments have been credited to my account. On XX/XX/XXXX I obtained copies of my credit reports from all three credit bureaus, XXXX, XXXX and XXXX. None of my credit reports reflect any debt owed to EOS CCA. 

In summary, EOS CCA has refused to validate this debt, despite my written request for them to do so on two occasions, via certified mail, EOS CCA has refused to provide me with any account statements for this alleged debt, EOS CCA has refused to provide me with any documentation that they have credited my account with the payments I have made to them each month from XXXX of XXXX through XX/XX/XXXX, and EOS CCA hasn't even reported this alleged debt owed to any of the credit bureaus. I have absolutely no way to know if this is in fact a valid debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MOHELA/DEPT OF ED Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Total Card, Inc.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXXXXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX  XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation