vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: DISCOVER BANK
State: NJ

Complaint narrative:
This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with DISCOVER to validate the account reporting is accurate and confirmation there is a legal obligation to this company DISCOVER. I complaint was also filed against DISCOVER by the XXXX XXXX XXXX Complaint #  XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 

This particular complaint is because DISCOVER has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, DISCOVER continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that DISCOVER is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue DISCOVER for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that DISCOVER is still  reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting while under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My account has been too old to be on my credit report so I want it to be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TX

Complaint narrative:
Experian will not take the wrong stuff on my credit reports

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 2020-03-08 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: TX

Complaint narrative:
Experian will not take the wrong stuff on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have opened a checking account with HSBC bank in XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX branch. 

The account had a a special promo offer of {$370.00} signed up bonus if one of the following conditions are met : 1. Maintain balance in the new checking account of {$10000.00} for 90 days, or 2. Open account with {$5000.00} with a recurring direct deposit at least once a month. 

I have satisfied the 2 condition. Opening an account with {$5000.00} and since then having portion of my salary directed into the account. 

Upon numerous walk-in followups on the promo bonus, i was told it would be deposited at a later time, however, when it would not show up in the account, a banker advised it would be communicated to the management. 
Over all, i have made about 5 separate trip to the branch where at one occasion the banker admitted it was bank 's common practice not to honor the promo. 

On XXXX, XXXX XXXX, I received an email stating the banker had received a response from the corporate office and the bonus does not get posted due to my not satisfying a condition of depositing {$10.00}, XXXX. However, the same banker did acknowledge earlier that we satisfied the second condition. ( I have in my possession a hard copy of the promo, where both of the conditions are mentioned ). 

Since then, I have been trying to find other way to prove my right. 

I have not closed an account with them yet. 

I would appreciate your help on this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TX

Complaint narrative:
There stuff on my credit appears wrong and old stuff is still there and just won't stay off?

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 2020-03-08 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: TX

Complaint narrative:
There stuff on my credit appears wrong and old stuff is still there and just won't stay off?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: IN

Complaint narrative:
Hello, I had XXXX performed to both my ear and my nose, by to different doctors, one in XXXX XXXX the next XXXX XXXX, I had supplied all of my insurance paperwork to XXXX  XXXX  of XXXX XXXX, Fl prior to any work being done to be sure my XXXX and XXXX covered everything because I have a very limited income from XXXX, they ensured me everything was covered. 
Then in XXXX XXXX they send me a bill for {$620.00}, this is after I made the final small payment of {$35.00} in their office at which time the told me I was paid in full. I asked them to tell me what it was for and which doctor it was from, they refused to do that, I offered them a payment plan if it really was a true charge, and they refused that, still to this day they refused to offer any information as to why this charge ( if mine ) happened, what it was for, which doctor it was for, etc. 
Then all of a sudden I start getting letters from this collection company, Capital Accounts, # XXXX I wrote to them but they refused to help me in any way and now they ruined what little credit I had and keep charging interest, besides the threatening phone calls all this for an account that was paid in full. 
I was told by the secretary in the doctor 's office who was a family friend that the girl in accounting was on maternity leave during this time frame and the replacement didn't know how to file claims with XXXX and that this problem happened to a lot of their patients. 
So now these false charges keep getting bigger and we have no way to pay the amount they are asking if these are real charges I could afford {$10.00} a month to pay for them, but there shouldn't be any charges in the first place!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Per my last complaint # XXXX Regions Bank stated that they would amend my credit score due to their incorrect charges from a closed account. On XX/XX/20 the amendment went through. On XX/XX/20 a letter was sent to me illustrating that a maintenance to the consumer credit reporting agencies to remove the reported late marks was issued and signed by XXXX XXXX. On XX/XX/20 XXXX delinquent account charges reappeared on my credit score. This institution continually promises action and fails to follow through. To date, I have only received on letter in the mail from the institution about this issue and have never received any information allowing me to follow up on the credit score amendment. They have failed to send me documentation such as a reference number or website to review the actual amendment. This has been ongoing since XXXX as illustrated in the previous complaint listed above.

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 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Yes I have two accounts with this Midland credit management and it's through XXXX XXXX  i been getting all kinds of letters from this bank XX/XX/2020 and they been trying to get me to pay this amount XXXX XXXX and I've done told them I cant pay because I have a fixed in come and i they been sending me all kinds of letter for this it's going on for a year now with this company and the second account I don't even have any more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: AL

Complaint narrative:
I advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Pioneer Credit Recovery has been calling me multiple times in regards to my student loan. I am currently set up on a rehabilitation plan with them, which is paid automatically directly from my bank account. All payments are up to date and not in arrears. 

This company has contacted me multiple times a day at my place of employment, but never leave a message. 

My mom has received 7 phone calls during the week ending XXXX. She is not involved in the payment process for this loan at all. 

Pioneer Credit Recovery also called my sister in law 's brother on XXXX XX/XX/XXXX. He is merely a XXXX friend, and I have no idea how they found his phone number. He obviously has no involvement and his being contacted is inappropriate and unacceptable. 

I have received complaints of the above nature from other family members and acquaintances.

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 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I do not recall ever doing business with XXXX XXXX. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company ( national credit adjust ) has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX Wa Says I owe {$10000.00}, I have never lived or rented through their leasing agency, during the time that they are saying I rented from them I lived at XXXX XXXX  in XXXX XXXX. I signed a application for these apartments however I never signed any paperwork or had a lease, I remember they asked me for my social security and I put it in the application and all my personal info which I thought was weird. 
Accounts receivable XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: CA

Complaint narrative:
Financial institution ( XXXX XXXX XXXX XXXX ) filed that we were late on our final payment of a car loan. The loan was paid off and it was a XXXX balance. They still reported non payment. I opened a dispute with expedan and the result was that it would not change and that the information was accurate. How can we be late on a payment when we have a XXXX balance. The information they reported is incorrect and it affected my credit score in a very negative way.

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 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I do not recall ever doing business with speedy cash. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company XXXX XXXX XXXX XXXX XXXX has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Emergency room visit on XX/XX/2016. Visit was mixed up with my husbands debt. My visit was never filed on insurance and I never received a bill. Over three years later, I am contacted by a collection agency for a bill Ive never known about. I contacted the provider and insurance. The insurance would have paid the debt in full, but it was never submitted. Three years later is too late to submit it. The provider had it mixed up with my husbands debt, which was paid and fought with them for over a year to prove it. One month after initial contact about a service from over three years ago, a rude representative from the collection agency files it on my credit report. The provider would have been paid in full if they filed it on my insurance in a timely manner or notified me sooner so that I could make sure it was filed on insurance, but they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Receivable Inc.
State: OR

Complaint narrative:
XXXX XXXX  XXXX  Accounts receivable {$2800.00} I have never leased through this company I have attempted to clear this up with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I opened an account with XXXX 7 years ago and was brought by a collection company called LVNV FUNDING LLC Last reported XX/XX/2020 {$600.00} Open balance XXXX XXXX Original creditor This account was over 7 years old and they are reaging this debt which is legal. Because of this account i was not able to buy a home. They told me i had to settle the debt in which they would remove. I settle the debt and they still did not remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
On 3 different occasions I sent Portfolio Recovery Associates LLC. located in XXXX VA. at XXXX XXXX XXXX. a request for debt validations. All 3 request have been ignored and I haven't received what I've asked from them at all. The amount of the debt they assume I owe is {$630.00} from an original consumer XXXX XXXX. I have demanded them to send me a copy of the original consumer contract along with the promissory note that has my signature on it and they refused to produce either one. I know there are a lot of people with the same name as mine and I don't want to pay a debt that belongs to someone else. In order for me to pay this debt I would like to see a copy of the original consumer contract and promissory note. Portfolio Recovery Associates LLC, has refused to produce any contract and is now damaging my credit report by posting an inaccurate collection account on my report without verifying proof of a contract. Please help me fix this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Car lease with Hann Financial Services. 
Status on credit reports shows " paid, closed, written off ''. 
This was paid in full. It was NEVER written off.

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 2020-03-08 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: FL

Complaint narrative:
XXXX, Transunion and XXXX is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.

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