vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.

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 2020-06-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern I've opened an account with CreditOne bank in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a Nostrom store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent Nostrom a  goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC
State: IN

Complaint narrative:
XXXX provided XXXX that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XX/XX/2019 FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case 1:19-cv-05727-ELR. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company XXXX nothing ever arrive. I am party in the lawsuit being a client the company XXXX has sent this account collections D & A Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I spoke with a representative who noted my account that I am severely injured and have no current income. I made a smaller payment in earnest to show that I am still trying to keep my account in good standing. I was told to contact them again in 2 weeks with an update on status. Since then they have contacted me daily demanding payment. I have submit a complaint through their system, but the harassment continues. Today ( XX/XX/XXXX ) they even threatened to " keep calling '' until the debt was settled. Furthermore the amount they are requiring me to pay overall is almost double what the agreement stated at the dealership was. I have been paying on time for over 2 years, totaling upwards of {$6500.00}, and when I requested to know how much more was left they gave me a number over {$6000.00}. The car is a XXXX. This is overall four times what the car 's value is. It almost three times the value of when I purchased it.

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 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC
State: WA

Complaint narrative:
Since XXXX of 2020, I have been keeping an eye on my credit report very closely, using XXXX XXXX, XXXX XXXX and all three credit bureaus, as I am attempting to get a VA home loan. Working with my lender I was able to verify old debt, and pay it off. I check my credit report at least once a day and ensure that nothing new is opened or money spent on a credit card that would hurt my ability to buy a home. Today XX/XX/2020 @ XXXX I woke up, checked my credit report on XXXX XXXX and noticed a new line of credit from VeriCred Solutions LLC for the amount of {$1400.00}, had been opened in my name on XX/XX/2020, more than 33 days ago. I checked this with XXXX XXXX and all three agencies and none of them showed any debt by the company VeriCred Solutions LLC, nor any debt for that amount. It has also been more than 33 days and I have not received any notice either by mail, email or a phone call about said debt. Under the law from my understanding this is an illegal tactic sometimes employed by credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. 

Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. 

At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. 

I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit

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 2020-06-20 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: CA

Complaint narrative:
THESE ACCOUNTS AND ADRESSES DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millennium Credit Consultants Inc.
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office,

Company response to consumer: Untimely response
Consumer complaint received 2020-06-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo Card Services to report my card stolen in early XXXX with two separate charges of {$280.00} from XXXX pharmacy, and another charge for XXXX both of which were not me that made the charges, and both of which were not authorized. 
When calling and reporting these two charges that I did not authorize, they informed me that there is nothing else that I need to do to protect myself against these unauthorized fraudulent charges. 
Fast forward to XX/XX/XXXX, they re-added the fraudulent charges back onto my account, and they stated that it was because I had a similar claim previously on my account, when Ive had the unfortunate occurrence of getting my card stolen TWICE off of a busy construction site.

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 2020-06-20 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: CA

Complaint narrative:
THESE ACCOUNTS AND ADRESSES 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 explanation
Consumer complaint received 2020-06-20 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: CA

Complaint narrative:
THESE ACCOUNTS AND ADRESSES 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 explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
On XX/XX/2020 I sent a certified letter asking to validate the debt that is being reported on my XXXX and XXXX credit report. The collection agency name Receivable and their address is XXXX XXXX XXXX XXXX, Pa XXXX. I havent received and response via postal mail. They removed the account off of XXXX  but is still reporting on XXXX   and still havent heard anything from them validating the debt that I have no knowledge of the 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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Interstate Credit Control
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Summit Financial Corp.
State: VA

Complaint narrative:
The company has gone out of business and still shows on my credit report that I owe them

Company response to consumer: Untimely response