vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY 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 2020-07-18 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: CA

Complaint narrative:
I have XXXX kids and my husband and I have lost our jobs due to COVID-19. I was set up on automatic withdrawal for one of my credit cards with them. Something happened with their system and it didnt deduct it. I received a email saying it was past due. I immediately called them to sort out the issue. The first rep kept lying and changing the subject, was very rude! I explained the situation and just tried pawning me off to another department. They couldve easily waived the {$50.00} late fee and just gave me some made up lies. They would rather justify stealing from innocent people during a tough time. I have never ever been late with them. Instead they would rather have my kids go hungry for their own benefit! This is the problem with our country greedy scumbags like the entire Citibank!!!!

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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of 2016 XXXX XXXX XXXX XXXX recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with XXXX, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining 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
Consumer complaint received 2020-07-18 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:
Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud

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 2020-07-18 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:
Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud

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 2020-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez, is the company my complaint is directed towards. They have not paid my second Property Tax installment for the 2020 calendar year. They made a payment in the wrong amount to the XXXX of XXXX. Because it was the wrong amount the city never received it and has no record of the bill being paid. I received a letter in the mail informing me that the payment was due. I reached out via phone to new Rez and they assured me that it was paid. they showed me a page on the website where it showed a payment being made, the wrong amount. I have called them several times ( 5+ ) in the last week to get this fixed. I am told the department i need does not have a phone number and i need to email them to get it fixed. I have sent several emails again over 5 and i got a response saying it was paid. Which i then contacted the City of XXXX to confirm and they still assured me they have not received payment. I am in the process of refinancing and need this paid before the refinance is complete, or before the city puts a lien on my house for not paying my taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: MN

Complaint narrative:
Chase will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at Equifax report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give Equifax credit for following the law and doing whats right! 
XXXX XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX  will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at XXXX report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give XXXX credit for following the law and doing whats right! 
Experian XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today

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 2020-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Sent an Ability to Benefit application to Navient on XX/XX/2020. Navient has not responded with a conclusion until this very date, and has not kept me inform of any updates or changes they may have done, besides a letter stating that they are investigating, which has been quite some time. The address of the school in question was included along with other documentation in the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
MONTH REPORTED : XX/XX/2020 AS A PAYMENT-BY-PHONE CUSTOMER, I CALLED ON XX/XX/2020 AT XXXX EASTERN TIME AND WAS PUT IN QUEUE WITH A CUSTOMER SERVICE REPRESENTATIVE WILL BE WITH YOU SHORTLY. 

I WAITED FOR TWO HOURS AND 16 MINUTES LISTENING TO THE RECORDING AS I HAD CALLED IN BEFORE CLOSING HOURS ON THAT DAY. 

I WORK FOR XXXX XXXX AND WE DO NOT GET PAID UNTIL THE END OF THE MONTH SO I MUST WAIT UNTIL MY PAYCHECK ENTERS MY ACCOUNT BEFORE CALLING INTO CAPITAL ONE. I HAVE BEEN DOING THIS FOR MANY MONTHS. 

BECAUSE OF A PROBLEM IN THE CAPITAL ONE PHONE SYSTEM CAPITAL ONE AUTO FINANCE REPORTED MY PAYMENT LATE AND MY CREDIT SCORE DROPPED 35 POINTS. 

I WOULD LIKE THIS DEROGATORY ENTRY REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE RESTORED BECAUSE OF THIS OBVIOUS PROBLEM WITH THE CAPITAL ONE PHONE SYSTEM ON THE DATE STATED. 

MY SUPPORTING DOCUMENTATION IS THE SCREENSHOT OF THIS OCCURRENCE AND CHAT WITH CAPITAL ONE ASSISTANCE VIA XXXX. PLEASE NOTE, THEY TOOK DAYS TO REPLY WITH A SOLUTION. CHECK DATES ON ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
EOS CCA Debt in the amount of {$560.00}. I have disputed this information with the company. I have also reached out to XXXX the original creditor they claim the debt is from and filled fraud investigation with XXXX. Eos cca still have not removed the negative information from my credit reports which only reports on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
During the first part of Covid-19 Pandemic I was temporary laid off from work.I called Upgrade loans to inform them of the situation And they put me on a three month Payment Reduction Plan.After the 3 months was up, I went back to normal payments.I made a normal payment the first part of XXXX, XXXXNow that I made normal payment, im getting calls from upgrade asking me when im gon na make payment and emails saying im behind.etc..Im not behind and never been late ... ..upgrade needs to stop with these calls and put correct info into there computer system.I hope they are not informing the credit bureaus wrong information.And ihope they are not charging me late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-07-18 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: The CBE Group, Inc.
State: OH

Complaint narrative:
This collection has been reported against me by CBE Group -Former on behalf of XXXX XXXX XXXX This reported collection is incorrect. First, I have never been a customer of XXXX XXXX. Second, the report shows an opening date for this collection shows as XX/XX/XXXX and makes a comment that it was affected by a natural disaster. I am not sure what that means, but I have requested documentation to prove this is my debt since it was first reported by CBE in XXXX. I disputed this account in XX/XX/XXXX, requesting account documents to prove it mine. Those were never received. 

The account was transferred to XXXX XXXX XXXX  who reported it again, I disputed for the above reason and XXXX  removed it from my report in XX/XX/XXXX. Now CBE Group Former reports it again. This time with an open date of XX/XX/XXXX. 
Throughout this repeated dispute, I requested account documents proving this debt is mine, I have received nothing. Again, I have never been a customer of XXXX XXXX. 
Account documents should be provided to me that show clearly that I signed for whatever service this relates to as well as any account history ledgers that prove there was an actual delinquency. If that cant be done, this collection should be totally removed from my credit report permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
My card was again declined and the card was blocked after trying to make a small purchase ( cup of coffee in this case ). This is the third time my card has been permanently blocked by this company and they did not contact me when they blocked the card. Rather I had to call them and wait on hold for hours before anyone could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.

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 2020-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Enhanced recovery co {$470.00} debt, which only reports to XXXX   that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: HW Holding, Inc
State: MD

Complaint narrative:
I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.

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 2020-07-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have no knowledge of the following account that I see on my credit report : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation