vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX VIOLATIONS : CFPB Orders XXXX XXXX to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC XXXX XXXX : XXXX XXXX and XXXX XXXX, toxic securities abuses, XXXX, XXXX, {>= $1,000,000} ... XXXX XXXX consumer protection violation, XXXX, FTC, {>= $1,000,000}. 
XXXX XXXX XXXX : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
XXXX XXXX : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.SXXXX Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX The FDIC says the XXXX  units violated the Federal Trade Commission Act by falsely : ... Cardholders may be due a refund for more than one violation. The FDIC will ... XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX XXXX The Federal Trade Commission penalized four firms over false textile claims. ... settle charges that they violated the Textile Products Identification Act and the FTC 's ... For example, the FTC said XXXX XXXX allegedly used the terms XXXX XXXX : XXXX XXXX XXXX will pay {$360000.00} ; XXXX XXXX XXXX XXXX XXXX will pay {$290000.00} ; and XXXX XXXX will pay {$150000.00} for allegedly violating the FTC Act and the agency 's Textile Rules. 
TARGET : We received your submissions on behalfofXXXX XXXX ( " Target '' consumer deception XXXX XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: FL

Complaint narrative:
The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Looking at my credit report there is account # XXXX from DRS reporting. I informed them that this account was written off through charity care and submitted all supporting documentation to them. They told me the account was taken out of their system and closed. They also said they submitted a request to the credit bureaus to have account removed but its still reporting on my credit damaging my ability to do anything with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: FactorTrust, Inc.
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

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 2020-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Central Holdings, LLC
State: LA

Complaint narrative:
On XX/XX/2020 Credit Central, LLC and XXXX ( the XXXX, Louisiana Branch ) used my social security number without me signing an application on XX/XX/2020 to access my credit reports. I called and spoke to the representative XXXX XXXX on XX/XX/2020 and she told me that they had to right to pull a hard inquiry on my credit report in order to find my current address. Once my credit file was accessed illegally, a member from Credit Central, LLC and XXXX named XXXX XXXX came to my home at XXXX XXXX  on XX/XX/2020 and rang my doorbell several times. I was asleep in bed with my XXXX XXXX who was XXXX  on XX/XX/2020 and the doorbell rang so loud waking myself and my XXXX. This company has also sent representatives to my grandmother 's home to look for me in the past. I am one payment behind and I spoke to the manager XXXX on XX/XX/2020 and notified her once I received my income tax, that I would pay the account in full because I am out on maternity leave and do not have any income coming in at the moment. XXXX asked me could she file my taxes because they have a tax service and I notified her that someone else prepares my income taxes.. She informed me that I could get a cash advance if they filed my taxes and I refused. Again, fast forward to today, this company has accessed my credit report without any signature my from authorizing them to do so on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX for - {$36000.00} @ 10 % APR. I experienced 2 layoffs by early XXXX and fell behind on my car payments. Ally Financial refused to accept payments to allow me to address the past due amount. They wanted a lump sum payment or nothing at all. They hired a lawyer, and I hired a lawyer - I agreed to return the vehicle without getting to speak to the Judge ( they filed a Motion for Summary Judgement ) with the understanding that that would adhere to the following : Per FCRA, a consumer has the right to reinstate a loan, rather than a lump sum demand. No written notices provided with specifics on the following : A. Private Sale, B. Auction Sale, C. Letter of Deficiency Balance They have not sent me any written communication regarding the vehicle. They have the vehicle, XXXX that I have paid in monthly payments and now want another {$66000.00}. These are unfair and deceptive practices.

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 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I received a notice on XXXX XXXX that I had a collection for a bill dated XXXX XXXX, XXXX I think, when I called the Hospital to as about this alleged billed the Hospital denied knowing anything about any bill in my name since I have never been there. I have lived in another Country since XXXX and only return to america once a year.I had disputed the same bill from a different collector a few weeks before which was proved false now a new company is trying the same thing and affecting my credit.Each year this same amount ( {$220.00} ) seems to appear over and over again. Please resolve this issue it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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:
I wrote a dispute letter to Experian on XX/XX/2020 Asking them to send me a physical copy of the Documentation ( Consumer Contract ) that they have on file, That was used to verify the accuracy of my accounts. That is stated by FCRA section 609 ( 15 u.s.c 1681g ) they refused. All I ask Experian to do is follow the federal guidelines of FCRA and provide me with a copy of the documentation they used to verify my accounts and they failed to do so. On XX/XX/2020 they updated the accounts as verified without sending me any proof of any documentation.

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 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XXXX XXXX. It was confirmed through fax confirmation that a EOS CCA representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time EOS CCA has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$1000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting EOS CCA immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and when I received the item I saw it was fake declare value on the package was {$10.00} so I opened and dispute with XXXX they told me to return the item to the seller to receive full refund. 
I did return the item on XX/XX/2019 and somehow the item could not make to it's destination because I believe the address the seller provided is not valid. 
The item was stuck in transit for more than 4 months and I thought the item was lost since XXXX and USPS International could not help me out so I panicked and opened another dispute with discover which was the card I used to make the purchase. 
Then I lost the case with discover card because the item was lost and not delivered to the seller and I didn't have any other support evidence to keep the case alive so they close it while the package was in transit to seller 's destination. 
Somehow 2 days ago I received the item back since it couldn't the delivered, I contacted XXXX to tell I received the item back which according to their policy I am legible for a refund but XXXX can not issue the refund because Discover card now is in charge of the dispute which is closed so I have been calling both departments back and forth and none of them can help me and feel stupid. The item I have in my possess is not worth {$900.00} dollars and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
The original creditors disclosed my personal information and my child personal medical information to the agency ( Rash Curtis and Associates ), which in turn disclosed that same information to the bureau. My privacy and my child privacy was violated in which we are protected by the HIPAA laws. I did not give the hospital permission to release my child personal information such as specific treatment and etc outside or basic collecting information. This will be forwarded to the U.S. Department of Health and Human Services Office for Civil Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by Portfolio Recovery Associates LLC, XXXX XXXX XXXX, XXXX, VA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's email so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2020. At this point in time Portfolio Recovery Associates LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of XXXX {$2800.00} XXXX. I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting Portfolio Recovery Associates LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Portfolio Recovery Associates LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation