vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my credit card charges on my TD credit card were declined. I called in to validate and determine the issue and they assured me it was resolved as they verified me with my phone number. The following morning my card was once again rejected, I called back and was unable to authenticate stating they had a different phone number on file even though my phone number has not changed. The agent said only option is to fax documents over including XXXX forms of ID ( no need for SSN ) and a utility bill. I asked them how long this would take as I needed the card and they told me if I send to this fax number should be within 48hrs. I did it right away and want to fedex office and paid to get faxed. I called back and they said they didn't receive and not to use the fax number I was provided and instead use a different one. I was confused and went ahead and faxed it in to new number and then called back in 3 days. They said they received it and now said they need my SSN even though initially I was told its not needed and once they have that it will be approved in 2 days. I called back in 2 days and they said there's no update and to call back in a couple days. Each of these calls had a hold time of 1-2hrs ( not exaggerating ) and so I did. This happened 3-4 times and they said there's no update, I even faxed my original credit card application to show there's only XXXX phone number and its never changed. It's been more than XXXX months and since I'm unable to access my account and have e-statements I can't see details of past transactions or balances yet I'm still required to pay it on the due date. In addition my utility bills that are on automated payments have bounced back and I'm allowed to redeem my rewards. When speaking to customer service they say all information I provided matches the account and there's no reason fraud department can't unlock it. They even transfer me to fraud departments saying it's all validated and I'm then told fraud department and customer service don't use the same phone number on the account and I simply couldn't understand that. TD fraud departments seems to added a phone number to my file without my knowledge and now I'm locked out for no fault of mine. I've invested so much time trying to resolve this but only had run around and they even state they'll call me back but have never done so over the 1 month period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-01 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: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXXimes challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
They are contacting me about a credit card debit from over 12 years ago. This debit is not on my credit report and they tried this same tactic about 3 years ago. Demanding i make payment to them or legal action summons will be issued. They are contacting several of my family member. 

Account is HSBC credit card, amount given {$2000.00}. They can not provide me with the full account number. 

There telephone number is XXXX and XXXX LCS XXXX XXXXs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: American Student Assistance
State: AZ

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) XXXX violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX ( still reporting ), AMERICAN STUDENT ASSISTANCE has emailed me that they will be selling my information yet again to XXXX  XXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.

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 2021-12-01 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I am being charged fees just to pay my mortgage, issue has not been resolved. 


Previous complaint XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii  ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF ED/NAVIENT ( still reporting ), XXXX XXXX XXXX has emailed me that they will be selling my information yet again to XXXX XXXXXXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Nextep Funding LLP
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX BANK ( still reporting ) has initially been deleted, and NEXTEPFUNDING. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts

Company response to consumer: Untimely response
Consumer complaint received 2021-12-01 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have contacted XXXX several times because of this debt that their reporting to XXXX in the amount of $ XXXX statue of limitations for a credit card debt in South Carolina is 3 years from the date of first delinquency, which is XXXX XXXXhis debt is being reported inaccurately.XXXX didn't validate this debt.They sent a statement which is not debt validation and there is no signed contract with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
XXXX has a XXXX  day late XXXX  days late on my credit file that has issues in which ACIMA claims they placed on my credit report Acima was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling Acima to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with ACIMA claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying XXXX place the info on there not them. 

I mailed them certified mail with no response to the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Individual called and left a voicemail addressed to my mother using her name. Proceeding to make a claim that her son was in debt and if it was not paid her son I would be going to face criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IN

Complaint narrative:
THE COMPANY, AD ASTRA RECOVERY SERVICES INC, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT AD ASTRA RECOVERY SERVICES INC PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN AD ASTRA RECOVERY SERVICES INC PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' AD ASTRA RECOVERY SERVICES INC is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof from a prior complaint with AD ASTRA RECOVERY SERVICES INC of them admitting to committing fraud and aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Avant Holding Company, Inc.
State: KY

Complaint narrative:
In XX/XX/2020 I received a bill from a credit card company. Avant. I have never applied for, had possession of or made an inquiry for this credit card. I called Avant several times. They wanted my personal e-mail, address, home phone etc. When all was said and done Avant would not close the account. I am still getting a bill every month. Again, I do not have physical possession of this card. So basically, this credit card is on my credit report and it should not be. 
The following is the only information I have about Avant : Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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:
I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.

Company response to consumer: Closed with explanation