vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I was moving to another state. so I had to cancel my XXXX membership. I tried to cancel in person, but they could not help me, and told me to call to cancel. I called on the phone, and was told I had to send a written cancellation letter. I did that in XXXX of 2021. I moved to XXXX  to go to college. Now, a year later, my parents are getting collection notifications in the mail from FIRST CREDIT SERVICES, trying to collect on a year of " unpaid dues ''. I have since sent ANOTHER cancellation letter, this time by certified mail. I have tried to call multiple different phone numbers for XXXX XXXX, but no-one answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I disputed a reporting by Portfolio Recovery Associates , LLC. They sent me a copy of a credit card statement, but did not send me a copy of the contract that I allegedly signed with the original creditor and did not send me a copy of the agreement authorizing them to collect on behalf of the original creditor or a sale agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im unable to access my account and none of their phone services are up for help. They have been down for a week and i need my bank statement to close on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
ConvergentXXXX has attempted to collect a debt owed by another individual with the name that I have ( an incredibly common name in the United States ) because that individual lived in the same apartment complex that I lived in more than 15 years after I did ( note, it was a different UNIT in that complex and again, the debt is from a period more than 15 years after I moved out of the apartment complex ). I have tried to explain this to them, but they are basing this solely upon a name. You can not call their number listed on their website or in their communications because it will tell you they are not currently available and hang up on you even during normal business hours ( I have tried numerous times ). 

In response to trying to explain their mistake they simply continue to say they have verified the debt. Again, this is definitely not my debt as I was not living even in the same state at the time, never had an account with the company they are referencing and simply share an incredibly common name with somebody who lived in the same apartment complex ( again different unit though ) 15 years after I did.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
my email is XXXX. I dont know where to change it.I had 2 payments to my account on XXXX and XX/XX/XXXX but not from my bank. The amounts were XXXX and XXXX. In the meantime charges were placed before these deposits were sent back to the bank. Following are charges that I didn't make. 
XXXX XXXX   for XXXX. I looked up my purchase history and I do not have anything that was ordered for that amount. 
same with XXXX on XX/XX/XXXX for XXXX,. 
XX/XX/XXXX ( XXXX ), XXXX, XX/XX/XXXX ( twice ), for XXXX. I don't have anything to show for this and I have a XXXX XXXX card I could use. on XX/XX/XXXX another XXXX XXXX charge for {$600.00}. I is amazing how my supposed purchases came out with an even number. I have cash being taken out from a gas station for ( XXXX on XXXX and XXXX on XX/XX/XXXX ) and XXXX   on XXXX for XXXX for XXXX  products. I don't have any XXXX products nor do I ever withdraw cash from a credit card nor get cash from a gas station. These are only a few I have questions about

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, me and My wife XXXX XXXX went to see the XXXX  property located in XXXX, by XXXX XXXX XXXX, we met their agent XXXX XXXX on XX/XX/2021, we decided to apply for a House the only thing needed at that time was the pre-approval letter from a lender ( XXXX mortgage ) also we went with Homestar and got preapproved, We submitted the information, XXXX XXXX was already set with the information but insisted that we used their preferred lender, We waited for the property to reach out to us about the house and decided to apply with her preferred lender because she was stating that based on their relationship with the lender ( Homestar XXXX XXXX ) would give us preference which we already had an approval by the same office but a different branch, their prefer lender increase our rate twice We were waiting until XXXX the price and the building of the house were changed on XX/XX/XXXX they asked us to come to see the offer and sing the contract on such contract was requested the good faith deposit, now when we sat down with the XXXX XXXX XXXX, XXXX XXXX, she stated that because it was am FHA loan, if we decided to not close on the house we would not loose our XXXX money She asked me to do again the application with the Homestar and their mortgage went up to XXXX a month, I contacted XXXX XXXX about the situation and explained to her that we could not afford that rate, she said that it was fine but that we were Giving up on the Good faith deposit, she guaranteed us that the lot would be release she was making promises that we would get a house in that process their prefer lender increase the rate 3 times, decreased the amount I called the loan office to cancel the loan because of the payments, XXXX XXXX said that he would call them to notify about our decision, and to get our Good faith deposit, XXXX XXXX still pushing me to try with other lenders, or be ok with loosing the money, we could have locked the rate but we weren't sure of nothing with them now we are facing a situation of getting a unaffordable house or loose the deposit because this has been a nightmare for me and my family

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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 2022-06-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As of XX/XX/2022 Comenity website has been down there are no ways to access my account, my credit card is being declined for purchases and no one is answering any questions about this at customer service. My payment is due in a few days to pay my minimum balance and I'm afraid I won't be able to make a payment and get charged late fees for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXXXXXX please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I have tried to make my payment for my comenity bank credit card for the past few days. I tried on XX/XX/22, XX/XX/22, XX/XX/22 and now today XX/XX/22 ( which is the due date ) the only response I receive is that they are undergoing a system update that is taking longer than expected. I tried to pay it online and over the phone with no success. I cant get through to talk to anyone either. I am very concerned that my payment will be considered late now and that it will effect my credit in a negative way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. 
15 U.S.C. 1681 SECTION 604 A Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 
{$78.00} payment to XXXX  that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you

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 2022-06-28 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:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NY

Complaint narrative:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my experian and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the 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 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXXXX/XX/2021. Please remove fraudulent debt on my report or provide proof in writing within 30days.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My XXXX XXXX credit card was recently transferred from XXXX to Barclays. I received the new credit cards ( one for me and one for my husband, who is an authorized user ) in the mail a few weeks ago. The mailer says to contact Barclays to activate the cards after XX/XX/XXXX. When I called Barclays on XX/XX/XXXX they won't activate my cards and they are telling me to contact XXXX, where my account shows as closed. 

Barclays may have therefore is not permitting me to access my credit, but they have not provided me with an adverse action letter if they took adverse action to restrict my credit card account. The letter with the cards indicates that I have a credit line and should be able to use it. It would be a violation of Regulation B for a creditor to take adverse action without providing an adverse action letter. Additionally, it seems unfair and deceptive to send a credit card and tell the person to activate the account, but then not permit the person to activate or use the account with no path to be able to use the 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Both Citizens XXXX and XXXX XXXX XXXX opened fraudulent accounts under my previous married name. Both cards were opened with high credit limits of {$10000.00} and {$23000.00} respectively. I wasn't aware that one card XXXX XXXX had been opened until I received a statement from the company and then the other card I realized had been opened when I checked my credit report and the locked my credit report. 

Since that time I received letters from the two credit card companies reflecting what I need to do the aid in the addressing my situation and I am preparing all that information which included a police report, reports filed with both the FTC and CFPB and the XXXX County Sheriffs Office XXXX Texas. I also have to provide my state issued drivers license and a proof of residence. I wrote letters to accompany all this information. 

Neither company has made a statement that they will dismiss the charges in writing and have indicated that I may owe the money at the end of their fraud investigation.

Company response to consumer: Closed with explanation