vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied and got approved for a Barclay 's Uber Credit Card in 2018, but it has come to my attention that they are discontinuing the Credit card. I have not received guidance on how to cash out the rewards that I have accumulated.

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 2021-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive had an ongoing issue with Experian and there lack of investigating disputes theres an account from XXXX thats still reporting on my credit eventhough Ive told Experian a thousand times its not my account. XXXX and XXXX have removed the account but its like Experian has a loyalty to the agency. Not to mention each time Ive contested this account Experian reported my late damaging my score why? Because I want them to honor my rights as a consumer this accounts doesnt belong to me please remove.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just received my credit report and I noticed an account that opened up in my name a while back. When I was in the shelter someone used my account in so many levels. This has been a rough time during the pandemic crisis

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I do not have any account with this company, have never heard of them and this needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I do not have any account with this company, have never heard of them and this needs to be deleted.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NJ

Complaint narrative:
Dear sir/madam XX/XX/2020 I had emergency situation and went to XXXX XXXX XXXX XXXX NJ . I just found there was unpaid bill send to collection agancy called amerifinancial solutions, Hospital I went was covered by my health insurance, I just found physician visited me at ER is out of network, this is very confusing, When you know Hospital you going is in network and doctor not. I never been told during my visit doctor was out of network, i gave them my insurance card before even I been entered for assessment. Doctor bill is {$570.00} and insurance is denying, XX/XX/2020 was pandemic period when hospitals didnt have enough doctors or staff. Please help me how I can dispute this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: One Source Technology
State: FL

Complaint narrative:
I don't have any information about this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to DIVERSIFIED ADJUSTMENT SERVICE, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to PORTFOLIO RECOVERY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Collection is not from original creditor Amsher collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Dant-Pacific, Ltd
State: NV

Complaint narrative:
Vehicle ( Collateral ) information was given on how to retrieve it back from XXXX XXXX as lein holder against vehicle, do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC
State: UT

Complaint narrative:
This happen back in XXXX of XXXX when my Boyfriend got sick with XXXX. So he was having problems working full time. So I called LoanCare if I could get help with the mortgage and said yeah! We have this plan if you qualify it's a forbearance plan. Yes we did qualify for 160 day 's. Then we where still not doing well on hours from work cause of the covid. So I extended for another 160 day 's. Then we started making payments as of XX/XX/XXXX So I pulled my credit on the XX/XX/XXXX and it was showing I had late payments as of showing XX/XX/XXXX - XXXX XXXX being late and I'm like how if I was on the plan. So I called XXXX spoke this Lady, and she said oh! Sorry I will tell them to email you a letter stating those dates for being late. Cause of the forbearance plan. So then I called again XXXX. Then now he said I'm sorry who gave you that information is wrong we don't do that here. You need to go to your credit report and dispute it. I'm like are you serious. This place is the worst doing business with. They don't give a XXXX about 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 explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collection is not from original creditor Jefferson capital system at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I have never had a contract or done business with Caine & Weiner but through XXXX XXXX I recently viewed my credit reports, and they have an account listed as collection of {$120.00}. It states the collections is from XXXX XXXX which I have not had a policy with in many years. That auto policy was canceled by myself due to finding a cheaper rate with another agency, after the balance was paid. I have requested a dispute with XXXX, XXXX and XXXX. Ive also requested a complete debt validation from Caine & Weiner, but have not received a response. However, their last negative reporting on my credit report was XX/XX/2021 but the collections account still REMAINS on my credit report. It seems this is a FCRA violation and I am seeking legal assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
I received a direct deposit from XXXX on two occasions to my state-issued way2gocard in the amount of {$690.00} and {$690.00}. I transferred the money from my way2gocard to my bank account. I received a confirmation that it cleared. Money never went to my bank acct. I called conduent and they stated that XXXX does not allow transfers and the money would be back on the card in 10 days. Nothing appeared. Called conduent back they confirmed the routing and acct # and disconnected me several times. I called XXXX they stated that the information provided was not true and they would esclate to a supervisor. Never heard back. Called conduent back, at this point they said the routing number was incorrect, verified and said the oney would be back on the card in 10 days. Nothing. Called Conduent again and they told me they would mail a dispute form, I received filled out an sent back on XXXX. They then sent a letter saying the money went to my bank account and to contact my bank. I contacted XXXX XXXX XXXX and they assured me the money was never sent to my bank. Now when I try to reach conduent, they disconnect my number automatically. I try from a different number and can get through but eventually after holding for over an hour it disconnects. I recently received a call and form letter from XXXX XXXX asking for account info, which I have not provided. I do not know who can help. This all seems like a scam and they are stealing the unemployment money. {$1300.00} has disapeared from the Conduent way2gocard into thin air. It has been over 2 months. XXXX does not respond, Conduent does not respond. I do not understand how an agency like this can work with our government. Not sure who to contact at this point, or even if this is legit or an ongoing scam. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
American Eagle I hardly ever used this credit card when I did I was not able to get help. I asked for deferred payment and they said no. I closed account due to Covid-19 and they would not work with me on payment XXXX. I am a victim of disaster. No work. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
An increase of approx {$300.00} for the last few months from approx {$1100.00} to {$1400.00} has caused a financial strain

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to CREDIT COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me in the first place? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to OAC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2021-09-29 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis and XXXX have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I received a Collections letter from Eastern Account System of Connecticut , INC . for Creditor XXXX  XXXX.The letter was for a past due account payment in the amount of {$76.00}. I responded to XXXX XXXX and Eastern Account System of Connecticut with written correspondance attached to this document sent via USPS. No response from the above named participants have been sent to me. 

On XX/XX/XXXX a credit service notified me of a collection account being attached to my credit report by Eastern Account Systems of Connecticut reducing my credit score by XXXX. 

To highlight the letters attached : The account in question was closed on XX/XX/XXXX and payment rendered on XX/XX/XXXX in the amount of {$66.00} for the month of XXXX. 

On XX/XX/XXXX the modem was returned by verfied XXXX deliver to XXXX XXXX. 

The past due date letter XX/XX/XXXX is way past the termination of the account. 

Please assist, thank you so much

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
They are not letting my money come on my PayPal all they want to do is keep my money from me please

Company response to consumer: Closed with explanation