vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
received email titled " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' as well as a blank email labeled " Action required on your application '', I never applied for anything or have an Amazon credit builder account.

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 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Eagle Financial Services, Inc.
State: TX

Complaint narrative:
Today XX/XX/2019 i got a call from some eagle financial company saying it was XXXX and that i had XXXX available for a personal loan all i had to do was pay a fee of {$94.00} dollars and after that they would deposit the XXXX dollars on my bank account .. At this point they have my account number and routing number bank name etc they just asked to confirm so i confirm after buying a prepaid card of {$94.00} on a XXXX  card the guy on the line asked for the code on back of the card i gave him the code then he asked for me to send picture of the card purchased and picture of the reciept along with it so i did send via text message the pictures as told after a while he said the money coulndt be deposited to my account because of my credit score he then asked for another card with money so i went bought a new card this time He asked for it to be a XXXX  card of {$100.00} i purchased the card he said i needed 2 more XXXX  cards with a total amount of {$150.00} ( {$100.00} in one card, {$50.00} on the second card ) he said that they was gon na send the money via XXXX  but i had to pay the {$150.00} fee for XXXX dollars and after that he would give me the information so i could claim the money in XXXX  so i did as told he never deposit any money to my account nor XXXX XXXX he hang up after letting him know i didnt have more money i tried calling back never answered it went straight to voicemail .. After a while he called back asking if i had the XXXX dollars to finished the process of the loan i asked for my money back and XXXX said it took 7-15 days at this point i have nothing left the money i used to buy the XXXX  cards was money earned to pay XXXX rent now im left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CA

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION
State: GA

Complaint narrative:
OnXX/XX/2019, I went into a BB & T bank, went into the lobby of the bank, at XXXX XXXX XXXX, XXXX, GA, XXXX, met with a teller and did three things : I ordered checks for my mother and me on our joint account ; I made a deposit of almost {$2000.00} into our joint savings ; and I bought some temporary checks. Mother, XXXX XXXX XXXX, had just about run out of checks and had more bills to pay. ( She is not on bill pay and not sure she trusts it, and does not trust paying bills over the phone w her debit card. ) On XXXX XXXX, I contacted the bank online to ask where the checks were in the system. And last Friday, onXX/XX/2019, I went back into the bank in desperation to see what had happened. The manager, XXXX XXXX, told me the checks had not been ordered. The teller told him I had not ordered checks. I ask them why they thought I would be buying temporary check and also checking online about the checks ' status if I had not ordered them. It makes no sense at all. The manager was rude to me and refused to give me more temporary checks or expedite checks to me quickly ; he would not pay the fees on those. He was rude and obnoxious to me and said he believed the teller, XXXX, instead of methat I had not ordered the checks in person on XXXX XXXX. He is at XXXX. It was the rudest exchange I have ever had with a bank employee in my life.

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 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I visited XXXX XXXX emergency room in XXXX XXXX, Oh. During registration the wrong insurance id number was documented. They were supposed to use my XXXX number. I contacted my insurer and was told I was covered and should not have been billed. I gave the correct information to XXXX XXXX billing department about six months ago and they still have the debt reporting to a credit agency First Fed Credit Control and on my file. I would like this payment deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against TrueAccord of whom is a debt collector and has reported un-validated information regarding the debt in the amount of {$850.00} to XXXX, XXXX, XXXX  and other credit reporting agencies. 

Over the past several months, I have tried to resolve this issue via filing a dispute requesting VALIDATION of the debt with TrueAccord. I have also contacted the agency via telephone at XXXX as well as the agent assigned to the account via email at XXXX. Unfortunately, on XX/XX/19 I received a statement via email advising per TrueAccord the reporting collection agency I received an email dated XX/XX/19 advising the debt has simply been VERIFIED and is due for collection. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt being reported on my credit report. However, to no avail the TRUEACCORD the agency of whom is trying to collect on the debt has refused to VALIDATE the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) t. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

TrueAccord is refusing my request for VALIDATION of the debt I am requesting proof that I am the correct party, and there is some contractual obligation made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX. Received 3 emails from Synchrony Bank stating A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder, and another stating Action required on your application.

I never applied for a Creditbuilder but do have a Synchrony credit card tied to my Amazon account. These emails are alarming.

Has Synchrony been hacked? Can not get through to them. Please look into 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 2019-11-26 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:
Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-11-26 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:
Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-11-26 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:
I found one account on my credit report that does not belong to me. I discovered it today XX/XX/19 when I got my credit ran by XXXX because I was trying to buy a phone and I didn't get approved because of this account. I have no idea who opened this account or who it belongs to but I never gave anyone permission to open it in my name. I did not benefit anything from this being open in my name such as money, goods or any other benefit and I never made any purchases or payments towards this account. I do not and have never had an account with this company nor did I ever allow them to run or access my credit file/personal information. I have already notified the police regarding this matter.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I did not apply for this. Can someone please take a look at this and see if it's identity theft? 

Note : This email was sent to you by Synchrony Bank, the issuer of your Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I keep receiving repeated phone calls from a XXXX XXXX he claims he works for Covington Credit. Now Covington Credit is located here in XXXX number XXXX same information is on my credit report XXXX XXXX calls me from XXXX number which is South Carolina. I spoke with him today XX/XX/2019 he told me it was an attempt to collect a debt. I informed him that I would like for send to mail me the original documents from the debt because the original loan was paid of and what you are trying to collect is something from a refinance I never new I agree to. I informed him that I receive a call from Covington credit stating I had cash available from my loan and I could come pick it up I said ok because they advertised while paying off your loan you gain cash back. So I went to pick up the XXXX dollars I believed I gain while paying my loan back I just found out from pulling my credit report that it was a refinance on my loan which I never would have agreed to for XXXX when Im half done paying off my loan. So I told XXXX XXXX to mail me all of my documents so I can have an attorney look over them his response was really? I said yes and I dont want you call my phone anymore you have all my information and current address on file so anything you have to tell me you and send it in mail so it can be documented he informed me that he wasnt sending me nothing and hes not going to call my phone no more because my about is about to be changed off I told him I dont owe him he has a contract with Covington Credit not me so until I received the original documents the account is settle he stated again hes not sending me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase freedom credit card. 
I am attaching letter and billing information from their company which I will also attach that I don't have a chase freedom card not did I apply for one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
To Whom It May Concern : This letter is regarding five Items/accounts that GLA Collection Company reported on the same day, on ( XX/XX/2019 on XXXX  ) and ( XX/XX/2019 on XXXX  and XXXX ) under my name and social security number. GLA Collection Company claim that I owe, item 1 ) {$93.00} 2 ) {$170.00} 3 ) {$330.00} 4 ) {$100.00} 5 ) {$1800.00} to the same company which they claim they represent. 

GLA Collection Company has been reporting five unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Please do not send screenshots. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay GLA Collection Company. As this debt is Not mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. 

GLA Collection Company, please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: VA

Complaint narrative:
Please provide the XXXX  actual response/letters for the investigations dated XX/XX/XXXX & XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-26 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have provide sufficient information, as required by the FTC, by providing an ID Theft affidavit from the FTC website which i registered and logged the ID Theft related accounts. I am a victim of identity theft and my information was used fraudulently to open various accounts without my consent or permission. I have contacted chex systems making them aware of the accounts and inquiries relating to identity theft and per FCRA 605B, advising them that they have 4 days to block those identity theft related accounts. and they are refusing to do so. they are asking me to provide a police report and i advised per the FCRA regulations the report alone from the Federal Trade Commission is sufficient enough to block the items marked as identity theft. being a victim of identity theft, I feel that chex systems is violating my rights as a consumer and causing adverse and negative impact on me as a consumer by blatantly refusing to honor federal law under FTC guidelines. They are knowingly reporting accounts and inquiries that are marked as fraud due to identity theft and are pro-furiously refusing to remove and block these accounts from my report.

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 2019-11-26 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: CA

Complaint narrative:
I found a Bankruptcy on my credit report today XX/XX/19 that is not mine. I have never filed for bankruptcy before. I investigated more and found out that this bankruptcy was clerically filed in error and it actually belongs to a person with a similar name as me. I am not sure how or why this error was made but I have already reported this to the courts as I never benefitted from this being on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
For the last 12 months consumer portfolio services has not allowed me to use my final extension on my loan. An extension would allow me to get caught up on my loan and prevent damage to my credit. Customer service has even rejected my request to apply. I was not able to apply for an extension which does not appear to be lawful or beneficial. As a result I am consistently behind and have not been able to get caught up on the loan. This has also affected my credit report drastically.

Company response to consumer: Closed with explanation