vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I got a letter from Dynamic Recovery Solution LLC, the same collection agency that been harassing me for the last 9 years about a debt I do not owe. They have tried to put this on my credit report and I had it removed because of identity theft report I report my wallet stolen twice in Texas with other credit cards in them at the time. I started getting calls from this collection agency with threats in the morning at XXXX throughout the entire week and a significant amount of mail without my permission for last four years. I ask to be put on the do not contact list from this agency but they keep up persistently with the same attempts to collect a debt not owed. My account was closed by myself with XXXX XXXX XXXX 8 years ago and everything was paid off according to the account clerk in the bank but they some how keep selling my information which I did not authorized. I do not have a contract with the credit agency, XXXX XXXX XXXX, or the Dynamic Recovery Solution which has my social security number I gave them over the phone to find out if I owed the debt. They have been using my social illegally and I want this company to stop sending me mail and any further contact. Dynamic Solution does not have a contract with nor does the XXXX XXXX XXXX XXXX because the account was closed by myself not the creditor because of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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: MI

Complaint narrative:
I called to XXXX XXXX XXXX XXXX and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and XXXX XXXXXXXX doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I pay my stated balance in full the company adds additional interest the balance between the statement and due date. They then round up that amount to {$2.00} per the agreement and charge me that amount on my subsequent statement.

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 2021-08-17 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: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I satisfied this charge off back in XXXX and the account should be reporting as {$0.00}. This account was already deleted from my credit report and now is showing up again and is affecting my credit. My credit has gone down 37 points due to this error and Im in the mortgage approval process. I talked to someone about rectifying this matter but it would take 30 days. I do not have 30 days to wait, this is not my fault and I would like this matter resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: MD

Complaint narrative:
On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX. 

According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX  XXXX  refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old. 


Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was sent an E-Mail by Discover Card Services letting me know that my account was being closed due to inactivity on the account. No questions asked, per their E-Mail, " the decision to close your account is final. '' My account balance is and has been {$0.00} for quite some time and I have never been late on this card, or late on any other debt on my credit report for over a decade. My FICO " was '' XXXX prior to this account closure. The E-Mail says XXXX which I believe is considered GOOD credit. 

For the past year, my family and I have been in the process of building a home. The first thing my lender said upon pre-approval was to immediately stop using credit cards or ensure that my existing balances do not increase to keep my FICO scores elevated. 

I am in pure shock that I am being punished by Discover for inactivity. Prior to paying off the account and entering into a purchase contract for our new home, I used the card to take advantage of their offers like any other consumer would. 

What frustrates me is that this will now lower my available credit thus damaging my FICO score. In other words, I am getting punished for being responsible and doing the right thing to ensure we can procure financing for our new home. This decision, will most probably result in a higher interest rate on my mortgage and I have done nothing irresponsible with my finances to deserve this, quite the opposite. 

I will note, that their findings state other factors that are absolutely not true. 

- % of balances to credit limits is too high on revolving accounts ( As of this writing, I am at 26 % of my limit on revolving accounts and my current FICO score substantiates this ) - Length of time revolving accounts have been established ( Yes, I have opened new accounts within the past two years but again, low balance to credit limit, no lates, good FICO score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.

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 2021-08-17 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX Consumer Portfolio Services XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: AL

Complaint narrative:
Experian refuses to remove a collection account from XXXX XXXX XXXX even though they admit the person who opened the account t they have in collection has a different social security number than mine

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 2021-08-17 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: WA

Complaint narrative:
My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2021 I sent a 609 dispute letter to Equifax regarding the following Inquires that has been placed on my credit repot, asking for a immediate investigation and removal of these Inquires. It has been well over 30 days and I have yet to receive any information regarding the investigation of the inquires listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was approved for a forbearance on XX/XX/XXXX due to a loss of income caused by Covid-19. My account up until then was " Paid as agreed '' and " Account in good standing '' and pursuant to the CARES Act, the credit reporting during any accommodation will reflect the status of the account before entering into the accommodation.

Shellpoint extended CARES Act credit reporting protections to all homeowners affected by COVID-19, regardless of any official loss mitigation workout plans. They informed me that my credit protections would be expiring on XX/XX/XXXX, unless I was still on a forbearance plan, in which case the protections would remain until the forbearance period expired. However, I was approved for a Streamlined Modification and made my first trial payment before the expiration of the credit reporting protections to fulfill the requirements of the modification agreement. I was approved for this Streamlined Modification on XX/XX/XXXX to bring my account current and made my First Trial Plan Payment on XX/XX/XXXX. 

Therefore according to the CARES Act, my credit reporting protections apply throughout the period of loan modification accommodation as long as I have fulfilled the requirements of the modified payment agreements and the agreement is made between the period XX/XX/XXXX and 120 days after the date of national emergency declaration for the coronavirus is terminated. 

I have attached documentation from Shellpoint showing that I was approved for a Streamlined Modification on XX/XX/XXXX and proof that I have made my first Trial Plan Payment on XX/XX/XXXX. Also I have attached documentation from Shellpoint stating that my credit protections would be expiring on XX/XX/XXXX, unless I was still currently in a forbearance plan, in which case the protections would remain until the forbearance period expired. 

Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank messed up my escrow account very badly as i have massive escrow shortage when i shouldn't as there was an escrow account established when i closed in XXXX on the house. Now 6 months later I am being told I am massively short. Funds they can't find either to fix my account.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/2021, My credit card was closed by Wells Fargo Bank, the bank do not indicate any reason. And the reward account link to that card goes to XX/XX/XXXXafter closing, there is no way to redeem all the rewards.

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 2021-08-17 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Hello, I defaulted on my Student Loans and ECMC now holds the loans and they assigned XXXX to be the servicer. I have reached out to both companies and asked for copies of proof that they are the legal holders of my loans. I am about to begin repaying the loans but before I do I want them to prove they have all of their legal documentation and rights to claim payment in place. My payments will resume on XX/XX/2021. Both companies let me know that the federal pause on student loan payments does not apply to me. 

Neither company has granted my request provide copies of the documentation. As they have not felt obligated to produce any documentation at all I have become suspicious and wonder if they actually are in possession of all documentation necessary for them to hold the rights to repayment. 

Please help me compel them to provide the documentation I have requested. 

Thank you -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 2021-08-17 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX refuses to remove a collection account from portfolio recovery services even though they admit the person who opened the account t they have in collection has a different social security number than mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
During XXXX and XXXX had a little financial difficulty making payments in time. Tried to work with creditor to lower payments to keep from damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: SECURITY FINANCE CORP
State: NC

Complaint narrative:
I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Professional Finance # XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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