vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Throughout XXXX, XXXX to present, Jefferson Capital Systems is and has been attempting to collect a debt they have filed to verify multiple times and the collection account is massively detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Synovus Bank
State: MS

Complaint narrative:
I have been approved by FIRST PROGRESS Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: VA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( Opened XXXX. XXXX, 2013 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I was pre qualified the loan on XXXX XXXX. I applied on XX/XX/2021. I was trying to obtain for this loan for money to move and use it as a deposit for a new place. Cheaper cost of living to be exact. Their was a wait for the application. During that time they had me gather documents for the loan ( bank statements, pay stubs ). They also did a soft inquiry. Then they asked for the front image of my last pay check that was already deposited a week before. Lucky the day of expiration of my loan terms I was able to find in the garbage the receipt with the check image. Then they complained about how the pay stub and the receipt was off by one cent. Then later in the evening I was approved for the loan. I accepted the loan. Then three minutes later I was denied because of another hard inquiry from a credit card in which I was approved for. Then I asked then since they would not give me the loan to have the hard inquiry removed from from credit report. They stated they could not do so. They told me to contact the credit bureau in which i did ( XXXX  ). XXXX  told me to ask the company for a letter of deletion. Upstart would do so. Now I can not get a new loan from other providers and it also will not help getting apartment with is inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
My records associated with the account DISCOVER FIN SVCS XXXX  with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to XXXX XXXX XXXX  but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}, {$280.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I am a victim of identity theft and I have received correspondence from XXXX XXXX stating that I was not responsible for the following accounts due to fraud : 1. XXXX XXXX XXXX XXXX # XXXX XXXX : {$3500.00} 2. XXXX XXXX XXXX XXXX # XXXX Balance : {$3600.00} I received a summon from Zwicker and Associates on the behalf of XXXX XXXX who is trying to sue me. I am totally shocked and feel like my rights have been violated because I am not responsible nor liable for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a open XXXX XXXX account on my Equifax credit report. Reporting and changing my score monthly. It is not mine. I have disputed multiple times. Every time I call the equifax dispute center, they just advise me to call XXXX XXXX. Well, XXXX  XXXX cant do anything about it because I dont have an account with them for them to look at. The account is showing open as of XX/XX/XXXX. The date today is XX/XX/XXXX. Equifax has been ruining my credit and sending me in circles all this time. Its an equifax error. Having me call XXXX  XXXX every time they drop my dispute does nothing. There is nothing XXXX XXXX can do for me, without having an account or ever having an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My records associated with the account WELLS FARGO HOME MORTGAGE with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to WELLS FARGO HOME MORTGAGE but I did not receive what I asked and these violations persist on my credit 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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX  can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: PA

Complaint narrative:
After signing up with Discover in XXXX, I was unknowingly signed up for " Payment protection '' which charged me XXXX for the service. At the time, this was my first credit card and was hardly used. Over the next XXXX years, I used the card sparingly and always kept the amount charged low, resulting in minimal and unnoticed " payment protection '' fees. It was not until the past XXXX years that I began using the card more frequently thus having higher payments each billing cycle. After closely inspecting the most recent bill, I noticed a high charge for the payment protection program. Not having remembered signing up for this policy, I contacted Discover and began researching the fee on the internet. Discover tells me I signed up for it when I signed up for my card in XXXX. I also find out that shortly after the time I would have signed up, Discover faced legal action over deceptive marketing of this policy. During my call with Discover, they were unable to provide me with proof of my informed consent to enroll in the payment protection program. Discover offered a reimbursement of XXXX billing cycles, which I feel is far too little. If Discover faced legal action and made a large settlement payment in XXXX, after I was enrolled in the program, why was I continued to be enrolled? Why was I not notified that I was enrolled in a program that was the focus of such enormous legal action due to deceptive marketing? I feel that Discover was knowingly deceptive when signing me up for my card and willfully negligent following the settlement as they should have reached out at this time for informed consent, fairly and clearly, after enrolling me fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My records associated with the account SPECIALIZED LOAN SERVICES with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to SPECIALIZED LOAN SERVICES but I did not receive what I asked and these violations persist on my credit 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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of NCA listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert A. Schuerger Co., LPA
State: NJ

Complaint narrative:
Received multiple voicemails from a Mr. XXXX XXXX, claiming to be a debt collector on behalf of XXXX XXXXXXXX University. Unfortunately, I do not have any record of when these calls or voicemails were sent to me, as I had checked my mailbox as of this complaint ( XX/XX/21 ). Multiple people from differing websites have also received the same call from this number, claiming it's fraud and impersonation of an attorney or debt collector. 

I do not live in Ohio, and I have already reconciled my student loan debt with my college. This is clear indication of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have called XXXX XXXX  a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX  field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX  and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Services has been reporting an old collection debt on my credit report for over a year from a medical office named XXXX XXXX. I have asked numerous times for them to verify this debt and send me the proper verification. They have refused to fully verify that I owe this debt and admitted by phone that they do not have the original signed contract from the original company. All they send me is a printout of services that were supposedly rendered to me, But do not include any contract that I signed. I feel that this is against HIPAA laws and section 609 of FRCA as they can not produce the original signed contract. I've contacted them by email, mail, and phone and they refuse to verify and/or remove this debt. I am asking for this debt to be removed from all three of my credit reports immediately as they can not produce the original signed contract to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear CFPB, The actions taken on my account by American Express, were not, and are not, in accordance with their rules and regulations, and are in clear violation of the Equal Credit Opportunity Act. These last minute alleged returned payments of XX/XX/XXXX and XX/XX/XXXX, which they claimed to have relied upon are nothing more than falsely represented online payment information, which appeared nowhere in my account information, prior to my complaint to the Consumer Financial Protection Bureau. 

It was never presented to me by any Customer Service personnel I spoke with, nor was it ever communicated to me, by anyone in correspondence with me during the numerous inquiries I made over this issue. 

American Express has knowingly submitted these allegations, as part of an ongoing effort to further injure me, and deprive me of equality and fairness, in my efforts to establish and maintain good credit. 

They are currently attempting to conceal their use of an invalid evaluation process and scoring system, which they knowingly used against me on XX/XX/XXXX, to unlawfully take adverse actions against me. 

When they committed these acts on XX/XX/XXXX, they knew at that time, that they were making false claims, which were discriminatory in nature, and were on their face, inconsistent, contrary, and in direct conflict with XXXX law, and their previous XXXX thru XX/XX/XXXX evaluation of my creditworthiness. 

In the month of XXXX of XXXX, XXXX XXXX months after obtaining credit card in XXXX ) I applied for and received a credit limit increase on this same card. I also at that same time, applied for and received a XXXX XXXX XXXX credit card from American Express. My total combined credit in that month alone, went from XXXX to XXXX At no point in time during, or after, the evaluation of my credit worthiness, to receive these significant credit limit increases, was this alleged recent information from XX/XX/XXXX, ever mentioned, referred to, relied on, used, or considered by American Express at that time. This is because, it did not exist in my account information at that time, nor prior. 

In the nearly 2 years that I have had this account, I have missed no payments, have had no payments returned whatsoever, nor have I ever been late in making a payment. 

Individuals within American Express have maliciously taken these adverse actions against me, for the sole purpose of denying me the equal right to fair and unbiased use of their credit card financial products. I am therefore requesting that actions be taken on my behalf, and others to end these discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC., location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They failed to disclose documents relevant to the credit transaction. A consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges, i was not expecting to pay the payments they have me paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In early XXXX, my husband was in a car accident that totaled a vehicle we were leasing. 

Our deductible was paid. Our insurance company paid the financing company in full as GAAP protection was in effect. We have documentation that insurance paid Ally Financial in full. 

Soon after, I suffered a severe credit score drop and investigated. I found that Ally Bank has my account showing as a charge off. This was not a charge off but an insurable event in which the company was paid. 

I formally initiated a dispute through the credit reporting companies on XX/XX/XXXX after a phone call to the company. On XX/XX/XXXX, I found that they added a remark but did not take off that it was a charge off. I reinitiated the dispute on XX/XX/XXXX ; I received a letter today, dated XX/XX/XXXX that they found no issue and will not be making changes. 

You can tell on the credit reports that the account was current and we paid all invoices that we received. Somebody in their office clearly is confused on what a charge off is and are refusing to resolve 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