vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In an effort to rectify this credit issue I have notified Portfolio Recovery LLC and ask them to provide valid proof of the collections accounts on my credit report. The proof they supplied does not meet the legal requirement of the FCRA. In addition to that, they provided letters, 4 separate letters attempting to not only validate the debt that they have no legal standing to collect but they provided these letters with different 4 different reference numbers to collect the debt twice on the two accounts in question. I have provided the letters, four of them showing the duplicity in which they operate and the lack of integrity they possess. They are demanding that I pay this debt twice. I have provided a copy of the 4 letters I received. Please note the 4 different reference numbers they are circled and located at the top right-hand corner of the document Please rectify it immediately. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank filed a complaint of an amount owed, for which I received a Civil Summons in XX/XX/XXXX. The amount due was in connection with a JC Penney credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. J.C. Penny credit department said I had a XXXX  balance   due on my accounts. Synchrony Bank said I should contact the collector, XXXX XXXX XXXX. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can Synchrony Bank not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from Synchrony for 9 weeks, with no success, on an account for which they decided to take legal action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Good afternoon, I had problems with my vehicle finance company. In XXXX I called because I couldn't pay for my vehicle for the COVID-19 case. I had money problems and I had not been paid at work, they gave me a period of one month. for me it was perfect. for XX/XX/XXXX I called again because I was positive to COVID-19 I have a medical report asking me to be isolated, I sent them but a supervisor told me on XX/XX/XXXX that they could not do anything and that they were going to deactivate the calls so as not to receive and that they would not notify me when they took the car, he also told me that if I had not received any help and the truth is that I had not received any unemployment aid or government aid, it affects me because it affects what I already paid for the car and apart my social life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
CHECK FOR XXXX XXXX REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
CHECK FOR XXXX XXXX REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: WA

Complaint narrative:
I disputed 10 hard inquiries on my equifax report with equifax and they stated that they have been verified. So on XX/XX/XXXX I wrote a dispute letter and mailed it to equifax asking them to show proof of how they verified these hard inquiries and to show permissible purpose. They said to contact the creditors. Ive contacted several of the creditors and theyve told me theres no proof of application or info on me. Equifax is not reporting on my credit report correctly and I want these inquirys removed immediately. 
I also disputed a collection account that I do not believe is accurate or belongs to me. XXXX XXXX. I mailed this dispute letter in on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This bill was not billed to insurance and it should have been. When I visited the office they accepted my insurance cards ran them as active and I was seen, a year or more later they said my insurance was inactive which is ridiculous! If my insurance was not active at the time of the visit I would have asked to NOT be seen so that I dont obtain a bill later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: ID

Complaint narrative:
I got locked out of my account and there is no way to contact them they only offer a phone number that a auto responder will put you on hold for serval hours then hang up on you they do not offer any online chat service or any other way to resolve any problems with there card I have on hold day and night for a week and I haven't been able to talk with anyone and they have over {$1000.00} dollar 's of my money that I have no access to

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
1 ) XX/XX/20 debt notice due XXXX, client progressive insurance. 
2 ) XX/XX/20, paid XXXX toward balance, check # XXXX, new balance XXXX XXXX ) called and explained to me I would get payment reminders on balance, RECEIVED NOTHING 4 ) on XX/XX/20, account was reported to ALL major credit bureaus as a " delinquent collection '' account 5 ) DEMANDING THIS ACCOUNT TO BE REMOVED FROM ALL CREDIT BUREAUS AT ONCE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was using a XXXX  XXXX  XXXX  at XXXX  to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX  Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from XXXX  for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called XXXX  on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two. She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by XXXX. She told me again that it would take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I obtained a copy of my credit report through Transunion and the following phony account is being reported by Capital One Bank on my credit report. I never opened this account with Capital One Bank and when I called them to get it fixed all they did was run me around in a circle but did nothing to correct the problem. Also they have a fake phone number on here for me. My phone number has never been ( XXXX ) XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$0.00} Date Updated : XX/XX/2020 High Balance : {$0.00} Credit Limit : {$1000.00} Pay Status : Current Account Terms : Paid Monthl The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My debit and credit cards were stolen in XX/XX/XXXX. I have had some success with the credit cards and hope to resolve them, however, I have made no progress with Citizens Bank HQ in RI Money was withdrawn without my permission or knowledge on XX/XX/XXXX in the amount of XXXX Citizens has an ATM daily limit of XXXX  or XXXX  ( answer varies depending on the agent I speak with ) per day, their tracking number is XXXX XXXX. They denied the complaint but they said they will review if I provided additional data which I did. On XXXX I faxed a letter to them from XXXX XXXX Hospital stating I was in patient   XX/XX/XXXX to XX/XX/XXXX. I have yet to master being in the hospital and at the ATM at the same time. Despite this evidence I supplied they still denied my claim Again XX/XX/XXXX-XX/XX/XXXX ATM withdrawals were made without my knowledge or consent in the amount of XXXX. My complaint number is XXXX XXXX which also was denied. Again I sent a letter from the hospital stating I was in patient XX/XX/XXXX-XX/XX/XXXX. This hospital letter was faxed to Citizens also on XXXX. I could not be in the hospital and at the ATM at the same time. Citizens disagrees and again denied my claim. 

Further complaint XXXX XXXX in the amount of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX are at issue and were denied. 

Lastly Citizens policy is to limit daily ATM withdrawals to XXXX/XXXX  per day ( see above ) yet on XX/XX/XXXX they permitted XXXX  to be withdrawn for their ATM ( XXXX XXXX XXXX ) in violation of their on policy. Their responded " no error occurred at the ATM '' also if you want " copies of the documents we relied upon please contact ... '' which I did on XX/XX/XXXX. I spoke to agent XXXXXXXX I was told they had no document and they had combined complaint XXXX and XXXX together. 

They also have confused XXXX XXXX and the XXXX  on XX/XX/XXXX This has been a night mare, long in excess of 90 minutes on hold, several times, only to be dropped Hope you can help, I believed you are familiar with Citizens Bank based on previous class action suits by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Account NameEXETER FINANCE XXXX   Account Number680681XXXXXXXXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$22000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$13000.00} Balance UpdatedXXXX Recent Payment {$1400.00} Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} TermsXXXX Months On Record UntilXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called every number for reliacard listen and nobody answers or when i do get ahold of someone they tell me they cant help me or tell me anything. I have a XXXX  and another one on the way and have recieved 3 payments from unemployment in ohio and after the approval and all those weeks filed and paid i still have no card from them and still no answers and my bills are still there needing paid and a family that needs to eat and live. I have tried finding an email to contact them but requires an account i just want answers to where my card is so i can access the funds that are on there so i can feed my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from Equifax and XXXX  showing " previous '' with 30 days past due and then " current '' showing it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AL

Complaint narrative:
There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX - That is reporting incorrectly. I have contacted XXXX XXXX   because XXXX  is reporting inaccurate XXXX XXXX Information. There was an overpayment where XXXX XXXX had to reimburse the money sent. Equifax is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX  is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and Equifax is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
THIS DEBT IS NOT MIND UNDER THE FCRA I REPORTED AND ASKED FOR PROOF THEY FAILED TO PROVIDE ACCORDING THE THE FCBA AS WELL I WANT IT REMOVED AND THEY NEVER PROVIDED PROOF NEVER HAD XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Information was provided to me thru my XXXX Account : XXXX : XXXX Derogatory marks View all accounts COLLECTIONS Commonwealth Finance Opened XX/XX/2020 {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$710.00} Highest Balance {$710.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern, I had been paying on a mortgage my Mom had with XXXX XXXX XXXX since her passing on XX/XX/XXXX. The scheduled installments were {$300.00} per month. I have always applied additional funds to the payment to accelerate the payoff. 
However, I received a request of renewed Flood Insurance, which I furnished to them as soon as I got the notice, which was in XX/XX/XXXX. In XXXX, I received my new statement which was now {$1200.00} per month. I immediately reached out to XXXX and told me that they couldn't speak to me regarding to account because my name wasn't on the loan. this was a total lie. My name was all over the documents .For this reason, and from this moment on they refused to speak to me in any fashion about this loan, although I was the one making the payments. From this time forward the statements would be {$1200.00}, and since no one would speak with me, I continued to make the regular payments. Until XXXX of XXXX, I noticed that the payments I was making were not being applied to the loan, they were holding them in what the called, suspense. At this point I stopped making payments, and hired an attorney. Still, no one speak to me, or my attorney. this went on until XX/XX/XXXX I made arrangements an paid off the loan. However, they reported me to the credit bureau as a foreclosure. To the point, I was not foreclosed on, therefore there shouldn't have been any reporting. 
So again I tried to speak to someone about this matter, and they referred me to some customer service web site. I explained the situation to them, and asked them to remove the foreclosure report, since there wasn't one. again no response. Til this day I've had two people talk to me in a seventeen month span. I have all the documentation to show that this Institution is criminal in their practices. I was never foreclosed on, please have them remove it from my report. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance Bureau of Collections
State: FL

Complaint narrative:
Company still did not prove i owe this debt i need proof in written that this account belongs to me.

Company response to consumer: Closed with explanation