vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
There was an account listed on my Credit Report from XXXX 's that was shown as Charged Off and closed in XXXX. I disputed this with all three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) stating that I was no longer liable for this account, as it was dismissed in District Court after XXXX 's had sued me in XXXX. The response each time, presumably by XXXX 's, has made matters worse. Each time I have re-disputed this account, by my adding more information, such as uploading the Dismissal in District Court, XXXX 's has added more false information, for example stating that it is in Collections ( it is not, it has never been in Collections on my credit report ) and updating the last payment date to XXXX, on an account that was closed by XXXX 's in XXXX, evidently in a false attempt by XXXX 's to restart the Statute of Limitations, which had already passed, as far as their taking any future action against me. A Judge ruled that they had insufficient evidence that I was liable for this account and dismissed the case in Court and that should have been the end of it, they should not continue to report an account that I am not liable for. I am XXXX years old,  my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues as well and this is exacerbating my XXXX and is harassment. Please have XXXX 's remove their reporting of this account to the Credit Bureaus, or have the three Credit Reporting Bureaus properly remove it.

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 2020-10-18 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I've disputed a paid charge off that was charged off in XXXX and paid in XXXX in Full. where account was reporting closed and paid charge off. fast forward to XX/XX/XXXX, the account shows reporting monthly on XXXX  for the months of XXXX and XX/XX/XXXX as charged off, where it shouldn't have been. this account should not be reporting as charge off period after XX/XX/XXXX where the debt was paid. ive contact XXXX  XXXX XXXX and XXXX  and still no resolution

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 2020-10-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I got a New car from the Nissan dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with Nissan-XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
From XXXX, a company called Phoenix Financial Services submitted a collections notice on my credit report. I have no knowledge of this company or why they think I owe them anything. I disputed the collection attempt, but somehow it came back as verified debt. By whom? This is not a debt for me. I have no knowledge of them, or any reason as to why they are trying say I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

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 2020-10-18 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: FL

Complaint narrative:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: FL

Complaint narrative:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

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 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I received notice of a Collection on my XXXX  Credit Report from Credit Corp Solutions in 2016. I never received any contact from this company notifying me of the debt or that they were going to place this on my Credit Report. In addition, it is factually incorrect. Therefore, I disputed the debt online with XXXX the debt and I asked that I be provided with a Signed Contract and Verification and Validation of the Debt. I received nothing from either Credit Corp Solutions or XXXX, online or in the mail, simply a statement on my Credit Report saying that Credit Corp claims it is correct without providing any proof. I want to see a Signed Contract and receive Verification and Validation of this Debt, or have it removed from my XXXX   Credit Report. I am XXXX years old, my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: PA

Complaint narrative:
This company bought a debt that is 11 years old, repackaged and falsified dates on it to appear as if the debt is brand new, and listed it on my credit report as brand new debt. No original documents were provided to the dispute through XXXX  as to the age of this debt. I have never been contacted by Diaz and Associates regarding this 11 year old debt. The name listed on the debt is a name I havent legally  had in 9 years, which was my legal name in XXXX when this loan was originated. My last name changed in XXXX, XXXX. That piece of evidence alone would give any reasonable person information to show that, as of XXXX, this debt is too old, and falls outside the statute of limitations for collecting and reporting. Looking at research, there are several instances from other consumers stating the same, that Diaz   and Associates buy old, uncollectible debt, fraudulently change dates listed in the account, and attempt to collect on debt which is outside of the statues listed by the Fair Credit Reporting Act of 1970. This is a clear violation of the Fair Debt Collection Practices Act of 1977, and should be addressed appropriately. My next step is to take appropriate legal action against Diaz and Associates and their owner through my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following account : ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had loaned a friend {$650.00} and she paid me back by a transfer to my Paypal account in XX/XX/2019. I attempted to do an Instant Transfer to my XXXX XXXX XXXX XXXX checking account but the funds never arrived. I messaged and called Paypal customer service multiple times  over the next several months, as well as XXXX XXXX XXXX. We initiated a trace but Paypal insists the transaction shows as completed in their end and the bank insists they are unable to find record of this. I have never had an issue with transferring funds before, but this is the first time I tried doing an instant transfer and it has been a nightmare to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Due to COVID-19, a state of emergency was issued on XX/XX/2020 in Maryland. Governor XXXX XXXX issued an executive order for financial companies like Mariner Finance to freeze interest on loans and not impose late fees during COVID-19 and the state of emergency. 

The interest ( 23.99 % ) on my personal loan with Mariner Finance was not freezed as of XX/XX/2020, the date of Governor XXXX 's executive order. In addition I was charged a late fee of {$29.00} on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020. 

On XX/XX/2020, I spoke with a Mariner customer service executive who infomred me that Mariner Finance was not able to freeze interest and waive late fees during the state of emergency resulting from COVID-19 although the Governor XXXX had issued the executive order. I am submitting this complaint because Mariner Finance did not implement Governor 's XXXX 's ( MD ) executive order for businesses to freeze interest and not impose  late fees. 

I had spoke to customer service representatives on a number of occasions and had explained that I was impacted by COVID-19 but to no avail. One customer service representative told me that I work for the U.S. Labor Department so I should be able to go to  work to deal with my hardship. She had no idea that I had since retired. I did not receive adequate customer service during the height of the pandemic. The customer service representatives at Mariner Finance could care less about their customer 's who are/were impacted by COVID-19.

I look forward to hearing from you.

Mariner Finance Account # XXXX -- XXXX XXXX XXXX XXXX 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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Upon checking my credit report i realized there is a credit agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This car was totaled in hurricane Irma XX/XX/XXXX it was completely paid off my insurance and gap insurance / XXXX paid immediately for their portion while gap took longer while dealing with a large amount of hurricane claims the lender marked me late sporadically even though the car was paid and out of my possession as of XX/XX/XXXX I was marked late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Upon checking my credit report there is a debt collection on my report that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was contacted by Portfolio Recovery Associates LLC. They claim I owe them {$3500.00}. 
I sent two letters certified mail. One on XX/XX/2020 and the other on XX/XX/2020, requesting this company send me validation of the debt. I included a copy of my photo identification as well as a copy of my social security card. I asked them to send me validation of the debt and asked them not to contact me anymore if they did not furnish me with the necessary information. To my dismay, they did not send me any validation, however they continued to send me letters confirming they were in receipt of my correspondence and wanted me to furnish them with my contact information and reason I was reaching out to them. I did that twice and they disregarded both letters I sent certified mail. 
I also disputed this debt with the credit bureaus and was told by them they validated the debt and the negative information would continue on my records. How can the debt be validated by the credit bureaus when the company refused to validate it with me ; and after I requested validation twice, by certified mail?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following account : ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I checked my credit report and there is a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any if there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone with else with the same/or similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation