vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: CO

Complaint narrative:
Applied at Carvana to finance a vehicle. Process started at the end of XX/XX/2020, XX/XX/2020 documents were still pending, and several vehicles had been lost. Every time a new vehicle was added ( because the processing took too long on their end ) another credit report was pulled. During two month period that equaled about 4 credit hits from Carvana. At the start of the process credit was just shy of an 800. 
I met all the requirements to be financed through the company, credit score, verifiable income, proof of address. Every document that I send ( documents from my bank, documents from the government, etc ) were rejected at the end of the two months, with no reason given.

The real issue was that they did not want to finance the vehicle because I am a retired XXXX year old XXXX female. Carvana is practicing discriminatory lending processes, they know what XXXX you are before the process starts because they have your drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account by LVNV is reporting a debt owed that does not belong to me. I disputed this account. The dispute resolved nothing. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-10-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays with XXXX  rewards was not willing to work with me for missed payments for XXXX, XXXX, and XXXX of 2020. In mid XXXX I had contracted XXXX and had symptoms for a little over 3weeks into XXXX. I was cleared my the doctors mid XXXX and went back to work part time in a XXXX  XXXX  and odd jobs to make my monthly living payments. The operator was unable to assist me with coming up with a plan for payment do to the pandemic and financial hardship.

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 monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
THIS COMPLAINT IS ABOUT EQUIFAX, IT'S IN REGARDS TO MAKING 3 PHONE DISPUTE ATTEMPTS TO MAKE GO AWAY. ON MY EQUIFAX REPORT IT HAS TO DO WITH THE CONSUMER STATEMENT SECTION. ALL 3 TIMES THAT I HAVE DISPUTED THIS I HAVE TRIED TO SPEAK TO A SUPERVISOR I HAVE BEEN TOLD NO EVERY TIME. THE REPRESENTATIVE TELLS ME THAT THEY WILL HAVE THIS STATEMENT REMOVED FOR ME THATS ALL I AM TRYING TO DO AND ASKING FOR IS TO HAVE IT REMOVED. SO THE REPRESENTATIVE HAS ME GO THROUGH ALL THESE SECURITY QUESTIONS BEFORE WE CAN EVEN START, ONCE WE START I ASK FOR ONE SIMPLE THING AND THAT'S TO PLEASE HAVE THIS CONSUMER STATEMENT REMOVED BECAUSE I DIDN'T PUT IT THERE. THEY STATED 3 TIMES NOW THAT WOULD BE DONE STARTING BACK IN XX/XX/2020. XX/XX/2020. AND XX/XX/2020. ALL 3 TIMES I RECEIVE A CREDIT REPORT IN THE MAIL THE RESULTS STATES THIS ITEM HAS BEEN DELETED FROM MY FILE. I LOOK ONLINE ALL 3 TIMES THE CONSUMER STATEMENT IS STILL SHOWING ON MY REPORT! WHAT IS GOING ON? CAN SOMEBODY AT EQUIFAX EXPLAIN TO ME WHY AFTER 3 DISPUTES THIS STILL IS ON MY REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On account ref # XXXX Shellpoint : Stole money from our bank account ; Lied to us about how it was stolen ; Lied about how long it would take for our bank to reverse the charges ; Either lied about " anyone on the phone '' being able to stop our withdrawal from our account or withdrew money from our account without authorization ; Inaccurately issued an ( unnecessary ) refund check to us ; Told us upon our inquiry that our account was not in default and that we shouldn't cash this check ; erroniously reported us as having missed a payment to the credit ratings agencies, being " in default '' ; Never told us that they'd reported us in default or had considered us in default ; Either the check they sent us was a cashier 's check, in which case they just threw away money when they told us not to do anything with it OR lied to us when they told us it had been a cashier 's check ; Still refuse to admit that our credit was damaged because of an accounting error generated by a mix of their own incompetence and dishonesty and our attempts to have our bank stop them from stealing from us when, do to their unresponsiveness, we had no indication we'd ever get our money back ( > {$4200.00} ) ; Continue to refer to only one of MANY phone call transcripts, one which they think somehow clears them even though it also proves their dishonesty or incompetence ; Continue to insist they did nothing wrong because they are either dishonest, incompetent or both

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: OK

Complaint narrative:
XXXX XXXX and XXXX XXXX. On XX/XX/XXXX we rent an apartment called : XXXX XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX f XXXX oklahoma XXXX. 
1. The date we move in, we report to the office the apartment is infected with roaches. But they didn't solve the problem on time 2. The carpet was not fixed well and need some stretching and fixing. But they didn't fix it on time 3. The alarm was making noise the whole night and because of that my kids were not sleeping. They didn't fix the Alam instead they close it with sole tapes for two years I was with out smoke detector. 
4. My neighbors was also having the same bag problems 5. On XX/XX/XXXX they start to spray for the whole unite but it was so late. 
6. From this date on they start to spray every Thursday and some time Tuesday but the bags were increasing and I asked them why it is increasing. No reply 7. Only three days we told them to come back.

A. We have a new baby and we arrived from the hospital B. One of my boys was sneezing very bad from the spray he was allergic and he is still on medication C. The first day shut down of covid. 
8. On XX/XX/XXXX they refuse to give us renewal of lease agreement. I asked them to stay and I can not move because of covid-19 and I have small kids but they refuse and told me I can not stay in two bed rooms.

9. After I move they send me a bill to pay {$3000.00} after they took my {$250.00} deposit. 
10. Before my move I have an appointment with the manager XX/XX/XXXX to walk and show them I have cleaned and left the apartment in a good shape. But the manager was off and next day she refuse to walk the apartments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
AVANTE : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been going back and forth with Amex in regards to 2 different charges on my account by lawn starter. I have provided tons of documentation and they still allow this company to get away with fraud and unlawful billing practices. XXXX has charged multiple transactions on our account even though the same day that automatic pay was set up, my husband called them to change the billing card information. They stated that they did so. I even provided an email where they said that they would investigate why the information wasn't changed. They were charging 2 cards at the same time even though the card that they should have had on file that my husband called in to change was supposedly changed. I legal action because I feel that this practice is illegal. The claim number with Amex is XXXX. Their calls should have been pulled as well. Maybe if I file a small claims case, your company will pull the calls. I have supplied tons of documentation and I need this decision reversed asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In response to both Wells Fargo disputes and results for case- Wells Fargo case number : XXXX Consumer Financial Protection Bureau XXXX case number : XXXX, and- Wells Fargo case number : XXXX Consumer Financial Protection Bureau , case number : XXXX. 
The 2nd letter and apology for " misinformation '' does not simply remove the fact that my rights were violated, under FCRA law. It also does not remove the fact that this is still reported INACCURATELY. Also a violation of my rights, which is the purpose of the dispute in the first place. The first date of delinquency is changed, but I am uploading a photo of my paper copy of credit report dated XXXX XX/XX/XXXX XXXX, which clearly shows Wells Fargo reporting payments made for the month of XX/XX/XXXX, and XX/XX/XXXX, and not going 30 days late ( delinquent ) until XX/XX/XXXX. How is this possible when the statements from Wells Fargo clearly state that my account was past due/first date of delinquency for statement dates XX/XX/XXXX - XX/XX/XXXX? This is clearly a case of being more than " misinformed ''. It is inaccurate information reported to my consumer credit reports. Not only re-aged, to negatively effect me, which is illegal, but also INACCURATE. Under FCRA law. All information reported must be 100 % accurate, or not reported 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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
I looked on my credit report and noticed that I had a debt of {$2800.00} a debt that I never had any idea I owed the company that put this on my credit report has never written me nor called me. This information is incorrect the last letter I got was a bill for {$32.00} so now I have another bill that I have never received the company closed down and I have not heard from them since. I am disputing this bill for I have never received any verification other than {$32.00} I can not pay a bill if I have never received it I request for this account to go back to the original creditor and to reverse this charge as debt created with no notification to pay it how can anyone pay something when I never received the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a debit card from USBank ReliaCard which I did not apply for. This card is in regards to unemployment benefits. I have been retired for several years, and have NEVER applied for unemployment benefits. This is a scam. I tried to reach USBank but was unsuccessful, as their website requires to activate the card, could not get to speak to anyone to have them cancel this card. It seems that someone is using my name to use this debit card.

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 2020-10-30 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..

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