vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX  and XXXX. The following collection agency LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX SC XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication, is unwilling to produce evidence of legal verification and validation this was the reason the account was previously deleted. They have even re-dated a tradeline that was previously deleted. 

Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question and the CRA I have not received suitable resolution. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I booked a hotel using a travel site called XXXX at XXXX XXXX XXXX XXXX. I was to pay several installments via their " Pay Delay '' program of {$450.00} to XXXX, who would then forward the total sum to my hotel. On XX/XX/XXXX, I received an e-mail from XXXX stating that due to COVID 19, my reservation had been cancelled and that they would be unable to process any refunds. " You will need to speak to your credit card 's issuing bank for your options. '' I submitted all of this to Citibank 's credit card dispute department. They are now claiming that the investigation has been completed ( after 29 days ) and the dispute was judged IN FAVOR of XXXX. How can these crooks take our money and run? And how can Citibank not see that I am owed the total of {$1800.00}? As soon as you go to XXXX, their website explicitly states that NO REFUNDS can be issued and that we will have to go directly to our banks for assistance. Now, I've contacted Citibank 4 days in a row and I am unable to speak to anyone. The recording tells you that due to high call volume, call back later. This seems to be the easiest case to prove that the merchant did not deliver their promise of a hotel reservation. With the financial burden of the COVID pandemic, we absolutely NEED this money. Looking forward to seeing how the CFPB can help.

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 2020-04-20 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: NY

Complaint narrative:
Dear Mr.or Madam : I did complain but i think i did not explain. Here is what happen the company portfolio recovery associates bought the debt from XXXX XXXX. So i told them i paid to XXXX XXXX  XXXX. but they do not believe. I sent the check copies they say is not enough. This is why i want complain to XXXX XXXX XXXX. ( XXXX XXXX  ) thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
On XX/XX/20, I had internet service with XXXX XXXX installed. The original bill was XXXX. From the start, the service never worked as expected, and on XX/XX/20, the internet completely with out. XXXX was to send a technician out to repair the internet on XX/XX/20, but the tech never came. The next day on XX/XX/20, they claimed a tech was not there, but that was a lie. After that, I had enough and cancelled the service on that same-day XX/XX/20. 

My service was only functioning at some capacity ( always poorly functioning ) for only 9-days. On XX/XX/20, I took my complaints to the XXXX. I requested that XXXX XXXX clear my bill, as they sold me defective service and was dishonest as to when or even if, they would repair it. On XX/XX/20, XXXX XXXX sent me their finals response, they said they would credit me for the days the internet was down completely. However, 4-days later on XX/XX/20, I was called by a debt collector, on their behalf ; saying my account was in collections, that I had an outstanding balance of {$110.00}, and that it could affect my credit score. 

During the entire time I had XXXX XXXX, I never had access to my account. After cancellation, I never received a bill. But out of the clue, on the very same day that they declared bankruptcy, they're telling me I have debt in collections. 

I only had their service for 16-days, it never worked correctly, and the internet was completed off for 6 of those 16-days. The original bill was {$120.00}, the monthly bill was {$39.00}, and the rest was for installation, taxes, and equipment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX of XXXX I applied for a home modification loan from BBVA Compass bank. 
I was told more than once that my credit report does not determine the outcome of their decision regarding my application. 
I was denied the modification loan and they did a hard inquiry on XXXX  Credit bureau causing my score to go down 40 points per XXXX. 
I have a hardship situation as an XXXX  due to XXXX XXXX  to my XXXX  with multiple XXXX and increased medical bills. I subsequently filed a Chapter XXXX, in XX/XX/XXXX, which was discharged first week of XX/XX/XXXX. 
I have spoken to the Manager of BBVA Compass XXXX, the district manager, XXXX XXXX, the home modification manager, XXXX XXXX, in addition to sending emails to XXXX 's manager, XXXX XXXX, and to XXXX. No one has removed that hard inquiry nor called me back after sending emails to them several times. When on the phone with XXXX and XXXX they both stated they were not removing it. 
I know they are in violation of the Federal Fair Credit Reporting act as they clearly stated that they don't use the credit score to determine their decision regarding my application for a home modification. It even states that on the application! 
***I am worse off now than before I applied for home modification. I was also denied the home modification loan. 
It's hard for me to believe that a bank, that I've been a customer of for 18 years and have always paid my personal loan and home equity line of credit on time, would refuse to remove the hard inquiry, or lower the high interest rate during these times when we need to help one another the most. I have devoted my life to others as a XXXX  and I am so sad and upset about this situation. I'm an elderly woman who was forced into retirement and divorced without spousal support in addition to having a history of XXXX XXXX. 
I need to move forward financially and have paid my dues with the Chapter  XXXX for 5 years and due to the hard inquiry I am not able to do this due to my XXXX  score. I also have spoken with XXXX   and they told me that the only ones that can remove that hard inquiry is the bank. 
BBVA Compass could have done a " soft inquiry '' instead of that " hard inquiry '' that they clearly stated, please see photos, " Please note, however, that your credit score played no role in our loss mitigation determination. '' Please help me as I need to move forward financially. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: VT

Complaint narrative:
This compliant concerns multiple fraudulent issues on my credit reports as held by TransUnion, XXXX   & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by TransUnion, XXXX  and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

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 2020-04-20 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: VT

Complaint narrative:
This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, XXXX  & Experian. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXXs. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, XXXX  and Experian. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

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 2020-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
on XX/XX/20 I applied for Forbearance due to covid 19 with my mortgage company New Rez. On XX/XX/20 I received a letter from Shellpoint mortgage servicing stating I was accepted and to call them. On XX/XX/20 I spoke on the phone with XXXX XXXX, phone number XXXX. She stated they could offer me 3 months forbearance with a lump sum due at the end of those 3 months. I explained to her because I have a VA loan the CARES act required a 6 month forbearance and they were encouraged to put the missed payments at the end of the loan. She said they did not have to offer the 6 months and all they would offer was 3 months with a lump sum. This is obviously useless since if I cant pay my mortgage now how will I pay 3 months of it in a lump sum. I withdrew from the forbearance program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Around XX/XX/XXXX I was alerted of a new account open in my name when I saw my credit report so I contacted BB & T to make sure it wasnt granted because I experienced fraudulent accounts open in my name from this bank. The agent assured me no account was granted because I had a fraud alert preventing verification of my identity and the account could not be open. Moving on around XX/XX/XXXX I was contacted for credit line increase that I did not XXXX XXXX I contacted them again via Certified Mail to assure them to close the same account that was not supposed to be open. Now its XX/XX/XXXX it shows Closed on my credit profile with a balance of {$5000.00}.

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 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advantage Financial Services, LLC
State: MS

Complaint narrative:
I called Advantage Financial in XXXX Ms , to see if I could just pay interest o my loan due the Covid Virus my hours have been cut on Monday XX/XX/2020. The manager told me they can not do it, they do it in Louisiana but not in their Mississippi offices, that they are watching to see if it gets bad enough here to do it in Mississippi! I dont understand how you can do it in one state and not another, the Covid Virus is bad all over. All my other financial companies, worked with me. This company really has no comparison to help their clients, I am NEVER going to use them again. I hope you can let them know, they are very unprofessional and uncaring!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is HS FINANCIAL GROUP LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HS FINANCIAL GROUP LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HS FINANCIAL GROUP LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HS FINANCIAL GROUP LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HS FINANCIAL GROUP LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HS FINANCIAL GROUP LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capitol One is falsely reporting I owe on an account that was closed in XX/XX/XXXX. At the time I closed the account, there was a XXXX balance. In fever of XXXX, they send an email saying I owe them over {$100.00}. Called them and asked how's it possible that I get no notification of any outstanding balance until XXXX. No response. This is just one current issues. Previously, they tanked my credit because without warning they sided with the vendor on a dispute and did an out of cycle update to my credit report. I paid off the card and asked them to update my report out of cycle as they did to their benefit. They would not, so I closed the account immediately. If they can do an out of cycle update to benefit them, they should return the favor. They didn't. I verified there was nothing left in three account when I told them to close the account. 

They will NEVER be in my wallet again. 

Please fix this by having them remove their XXXX my credit report. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
The information being reported by Chex Systems XXXX and XXXX XXXX XXXX isn't true.XXXX XXXXf XXXX said it was fraud that is a lie.It wasn't fraud and I am requesting that both XXXX and XXXX XXXX XXXX please deleted from my report .The info is incorrect and not accurate at all.

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 2020-04-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

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 2020-04-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a card with Capital One. I had this card for years and never missed a payment. Now they are reporting me late every month and dropping my scores. I contacted someone at Capital One and they stated that it is corrected and that it was a fee but that was waived as well. However I just got another 30 day late payment on my credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NC

Complaint narrative:
My wife and myself received phone calls from a XXXX. The company identified itself as Unifin. They were looking for a XXXX XXXX. I advised them my name was XXXX XXXX and that the person they were looking for does not exist and was a mixed file and identity theft issue that was resolved 8 years ago. 
Further my attorney XXXX XXXX attempted to contact them to inquire on the validity of the debt and they declined and refused to provide a mailing address or verification of the debt. They continue to call and I am filing this complaint along with retaining XXXX XXXX to sue for damages again. 

Ive completely complied with the FCRA and asked for verification, yet the company refuses and continues to harass me.

Company response to consumer: Closed with explanation