vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MN

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 I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the Equifax information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX XXXX XXXX removed from all 3 major credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Was a victim of Hurricane Harvey and had to move from XXXX XXXX, Tx to XXXX XXXX, Tx. Contacted XXXX XXXX about the bill being owed and I was told that due to the devastation they were waiving the bill. They done this for a lot of people affected by the storm. Here is some years later and I am getting this on my report again. LVNV was on my report at the beginning of the year and then taken off. Now here it is XXXX and it is back on there again. Why is that? I was told by XXXX XXXX is would be waived. I still have XXXX XXXX to this day. Why haven't I been charged for this by them if I still have service with them. This should not be on my report. I contacted XXXX  XXXX and they don't even have a record of it. I need to see the original bill for this because I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MN

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 I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 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

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 2020-11-09 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Chrysler Capital has been inaccurately reporting data to the three credit bureaus. They have reported me as having late payments for the months XXXX, XXXX & XXXX. Attached, you will find that I paid my car note on time for the months XXXX, XXXX & XXXX. Therefore, the information they've provided to the bureaus is incorrect and should reflect the truth. This is negatively impacting my credit score for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

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 I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 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

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
This debt collection appeared on my XXXX, XXXX, XXXX Credit Reports just recently. I do not have a XXXX account and I do not owe them any money. I have been having fraudulent activity to all my accounts, perhaps this is more of the same. It lowered my score. 

Company - EOS CCA XXXX Balance - {$500.00} Date on Report - XX/XX/XXXX ACCT - XXXX Collection Opened - XX/XX/XXXX Loan ( XXXX ) XXXX Addresses - XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received my new Us Bank Reliacard on XX/XX/2020. I could not activate it online so I called cardholder services and was able to activate the card but was told my card was locked for security reasons. I asked what I needed to do to unlock it, they said I had to upload my ID and social security card. Which I did while on the phone with them. I was told it would take 24 hours to unlock my card. 17 days prior to that ( XX/XX/2020 ) I had already uploaded those same documents plus my lease to my new apartment due to the card being locked because I changed my address. Its Now XX/XX/2020 and my card is still locked. I haveXX/XX/XXXXsmall children and I am running out of food. I need to take care of my children with that money. My phone was shut off and my cable is next. Please help 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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XX/XX/2020 {$930.00} I attempted to call this company I have zero knowledge of this account and it needs to be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX for {$290.00} and XXXX XXXX XXXX for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my XXXX and Experian credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo Home Mortgage advertised mortgage relief several months ago due to the Corona Virus Pandemic. They stated that I could defer payments without penalty on my credit score. I was in between jobs this summer and new I would not receive a paycheck for at least one month. I took the deferment for 4 months and since then my credit score has dropped 100 points and my overall debt on my mortgage has gone up by {$7000.00}. Creditors have cancelled cards I have had open for years and I have been unable to apply for debt transfer cards.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
With no warning Discover placed a hold on my account. My accounts have never late and i have had my credit cards for years. They are requesting a 4506 t through a third party which is XXXX. XXXX has had the biggest breach in credit reporting history. They do not offer an alternative for this and basically say if you do not comply they will close said account, which will reflect on your credit in several ways that will detrimental to the credit reporting. As a consumer and business owner this is not only breaching privacy policies and not allowing for any privacy. THIS IS AMERICA and although they are extending the credit, to force the consumer to give a 4506t is criminal. XX/XX/XXXX can claim to protect information. We all know that is not true. Based on their previous performance. 
This procedure is not one that can be trusted. The law also does not permit that you file taxes every year. with that said Discover has locked cards and did not warn the consumer before.. I am blessed i was not out of town or my son who is an authorized user was not using the card and not out dining to be declined. Please look into these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have 2 new credit cards that popped up under my name and I have no idea whos they are I would really like to get them off my name ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2020 Portfolio Recovery Associates filed a lawsuit stating that I owed them XXXX. The court date was set for XXXX XXXX, the plaintiff did not show up. The court date was rescheduled 3 days before the initial court date, they did not show up for the rescheduled date. They filed a continuation which was scheduled for XX/XX/2020 and a gentleman who was present was impersonating an attorney. 

During the court session, I pointed out several discrepancies with their claims. One being the varies amounts claimed to be owed. The second being the bogus witnesses and signatures throughout several documents. The case was ultimately dismissed, however, still remains on my credit report. 

This company does not have a signed contract or photo ID to even verify who the owner of the debt is and is preventing me from getting loans and employment by falsely reporting information they can not prove. They tried to get a default judgement by rescheduling court dates and not showing up the first two appearance and appearing a 3rd time, hoping I would not be there. During the court proceedings they even tried to read a " witness '' statement knowing the rules of the court requires all witnesses be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX  for {$290.00} and XXXX XXXX XXXX  for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my Equifax and XXXX  credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
First, I've already successfully disputed 2 negative marks on my credit report by Synchrony bank. 

Now, they backed the Amazon credit card ( unbeknownst to me at the time ). 

Upon credit approval, they ( also not disclosed ) changed my default payment method. After that, they did not send me a card as they said they would a physical card. After that they accumulated charges and never sent me a statement at all by email or an email. 

When I went back to the supposed login page, it wouldn't load on a phone, a laptop, or a tablet. 



Please make them fix this and don't let them report anyone as missing a payment or subsequently as delinquent so they can try to collect on a debt. It appears trip clearly be a scam as a debt collector company. I found an address to pay mine this time, but they harassed me and ruined my credit and it took ten years to get more both overturned. 
ten years ago. 

Absolutely not just for me but for everyone who is unable to access their website or pay their bill in part because of the link that they provide in one email doesn't work. 

XXXX XXXX XXXX XXXX % XXXX % 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 explanation
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
The following accounts and payment history has been deleted previously by Equifax, but the accounts keep reappearing on my credit report : XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX, XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.

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 2020-11-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.

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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
There is a transfer of {$11000.00} and I have no clue how it got on my account nor any clue on who did but I am aware I do not have access to the funds

Company response to consumer: Closed with explanation