vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/2019, I mailed Discover Card a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by Discover Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FALONI & ASSOCIATES, LLC
State: NJ

Complaint narrative:
I XXXX XXXX, have tried to settle my debt by explaining my XXXX XXXX  and serious health challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a XXXX, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my Doctors diagnose are extremely low, slim to none.My XXXX was back this past XX/XX/2018 do to a XXXX, and I am going back for a second XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter 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 2019-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TX

Complaint narrative:
inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.

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 2019-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase tickets from someone via XXXX. They insisted we use XXXX  for the transfer of $XXXX. However, after sending them the cash via XXXX (connected to my Bank of America account), they sent me fake tickets. I contacted my bank in order to report the scam and they informed me that the only thing they can do is ask the "seller" to return the money. There is no fraud or scam protection for consumers, despite the service being offered and advertised by my bank. They said looking into the issue could take 45 days. While this is likely not the worst of these cases, it's frustrating to now read that this type of fraud happens via XXXX all the time. Consumers should be informed that they are not protected by their bank's endorsed services.Thank you!

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding has reported a debt on my credit report without first providing a written notice of my right to dispute.  According to federal collection law, that is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have missed one payment this month from Paypal Credit.  They have called me at all hours of the day on this phone number and multiple others.  I have an automatic payment setup so I don't miss the next payment but they keep calling my phone non stop.

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 2019-08-20 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is 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 non-monetary relief
Consumer complaint received 2019-08-20 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: DC

Complaint narrative:
On XX/XX/2019, I mailed XXXX XXXX a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by 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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXFRANKLIN COLLECTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FRANKLIN COLLECTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am getting 50 calls a day to attempt to collect a 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 non-monetary relief
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit scores having problems. As soon as I get a company off credit score.Another comes up.  There are severalXXXX XXXX. Unknown accts keepsAppears.  There is several XXXXIn North Carolina and some deceasedAnd alive. XXXX was on my rating.I disputed. It wasn't me. After disputingIt. And several more. Stop this madness.It's messing up my credit ratings. ThanksXXXX 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV simply refuses to report my payments to have been made... I have paid in full through my payroll.  (attachment showing with check numbers, and we have checked, all show cashed).   Not only are they not reporting my payments but they have removed the collection of $XXXX (the original amounting showing owed) then added it back on as a new collection of $XXXX hitting me for 49 pts.  Then removed it, not showed paid, just removed so I dont get any of the pts given back... then re-added the $XXXX as a new collection hitting me again for a large hit to pts.  Then added a brand new collection for the exact same account but for $XXXX  hitting me yet again for another massive pts hit.   On one report I am actually showing LVNV collection on this same debt for all 3 amounts separately after they have removed it once and re-added it, then added 2 more in different amounts.    I have tried and tried to not only get them to provide validation of debt which they have not done, but doesn't matter now anyway, that case was closed because they replied back, regardless the information provided to be fact or not.   BUT, in the case of them refusing to show my balance paid off... it isnt being done.   NOT REMOVED because its been paid, but actually showing paid.   I deserve to get my pts back for the payments and not keep getting retaliated against by their shady ways and getting hit for over 100 pts now in the removal and adding of the same account and then not get anything rewarded back for making payments... which was under false pretenses in itself.   They hired a 3rd party to send where they filed the writ of garnishment so we thought it was being issued legally and that is what we this from... come to find out the actual order of garnishment was never signed and never issued and we were not to have made any of these payments... of course now its too late, we have made them all in the total of $XXXX without any order of garnishment ever being signed.  They have now filed for ANOTHER garnishment in the amount of $XXXX  on the exact same account and NOT reporting that I have paid off this one.    Thank goodness I we called XXXX County to find out if we had to pay any more than the writ of garnishment as they were telling us we had to and found out they had filed another writ for another amount AND that the one we had paid was never signed or ordered.   This is NOT an honest company at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
On XX/XX/2019 XXXX XXXX the title processor for XXXX XXXX   XXXX XXXX  XXXX  # XXXX, that I am working with to Refi my home loan contacted XXXX XXXX XXXX  for a pay off amount and letter in regard to a lien on my property. He was told at this time the lien on my title and judgement was expired and the owed amount is {$0.00} due to California 's statue of limitations and was directed by the customer service personnel to the lawyer 's direct line ( XXXX XXXX ( not sure about the spelling of his last name ) XXXX ext. XXXX ) where he was forced to leave a message. 

Multiple calls from XXXX XXXX XXXX  and myself have been made to this company and all have been redirected to the lawyer 's voice mail. No messages have received a return call. 

The original debt was from XXXX XXXX, they were called as well, directed XXXX to call XXXX XXXX XXXX. 

XXXX has been also reaching out to XXXX XXXX XXXX ( XXXX ), they are the attorneys office that initially handled the judgment. The contact info for them is XXXX XXXX and XXXX XXXX, unfortunately he has not received any type of response from either of them. Their phone systems are not good, he kept getting hung up on during the transfer and they finally sent an instant message to XXXX XXXX XXXX Sounds like she is the boss ). He reached back out to XXXX XXXX   XXXX  on XX/XX/XXXX as well ( XXXX ) ( They took over the judgment from XXXX XXXX XXXX XXXX ), I was told the judgment was cancelled with them and became invalid but the initial attorneys office will need to provide information as they are no longer involved. 

XXXX XXXX XXXX has had this request for 2 months and has not even bothered to call back. I am not unable to move forward with my refi due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policyreport is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentationof material fact relevant to the request to block; c) XXXX  has reason to determine that youobtained possession of goodsThe account and those inquired are fraudRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains keypieces of personal information, such as Social Security or driver's license numbers, in order to impersonatesomeone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, underFCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that informationto any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), itmay not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. §1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of whichis enclosed, I am requesting that the item(s) be removed to correct the information. You have no way toascertain the legitimacy of my action without investigating the items in questionXXXX XXXX XXXX  ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX, XXXX SOC SEC # 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
No action was taken no one wanted to work with me on a payment arrangements even when some of these accounts on my records were made by someone else I even know that one person that used my name for something is deceased but I have no proof so nothing can be done so I’m stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been banking with Capital One Bank for many years.  I have been using their online banking to access my account information and pay bills for many years.  A couple of weeks ago I went online to pay a bill and suddenly ALL my banking information was gone.  I have a credit card with the bank as well and the only thing visible when I logon is the Credit Card.  I no longer have access to my checking account online.  Yes, in the past BOTH the CREDIT CARD and CHECKING account was visible when I logged into Capital One.  I have called the bank MANY times and have gotten the run around; however, nobody has been able to correct it.  I am XXXX years old and recovering from XXXX  and have been told many times that they don't know how to correct it and will "escalate the issue to another department".  Yesterday, I had someone take me to the bank (spoke to XXXX XXXX) and he also told me that he doesn't know how to correct it and will "escalate the issue to another department".  My only solution for now was to open a new account, at another bank, so I can pay bills online and view my transactions.  I would like Capital One to give me back my access to online banking.  And as an aside... XXXX XXXX is the most unprofessional person I have dealt with in quite a long time and this was not my first unpleasant experience with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am trying to sell my home through a short sale. PHH is my loan servicer. I have submitted all the required short sale documents - PHH has a horrible overseas call center staffed by individuals who cannot speak clear english and cannot answer my direct questions pertaining to my short sale request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation