vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sylvania Acceptance Corporation
State: OH

Complaint narrative:
I had a car loan with Universal Acceptance which is called Sylvania Acceptance ( XXXX XXXX XXXX XXXX ) XXXX, Ohio XXXX over 10 years ago I believe. Account number # XXXX, 2 years ago because it just came off my credit report and a lady name XXXX had pulled my credit like I had tried to get a current car loan through them Sylvania Acceptance. I have documentation where I have been sending XXXX a month. They are in violation of my FCRA rights, they regard the debt threatened me to take you to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc
State: NY

Complaint narrative:
It has been over a year and I have been in constant contact with XXXX car rental. I was a victim of identity theft and have been receiving a bill for a rental that I did not reserve. I have never done business with XXXX or initiated such action. I have called and sent letters in regards to this bill of {$100.00} that was done fraudulently, in XX/XX/2020. XXXX assured me that it would be handled and now it has been sent to a collection agency. I have good credit and this is affecting me in a very negative way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: J. Ritter Law P.C.
State: NC

Complaint narrative:
This law firm contacted me regarding an alleged debt. They are in violation of 15 USC 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The original debt was sold by Santander to XXXX XXXX. After a settlement was reached with XXXX all tradelines and any account associated with XXXX was supposed to be removed from all of my reports. XXXX was removed and Santander failed to remove their name from my reports and is reporting false information to all three credit agencies. I have disputed this issue on several different occasions starting on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
i was told my Covid forbearance has ended ; i then tried to work out a repayment plan with Shellpoint including the possibility of additional payments being deferred to the end of the loan i was told due to my income level there was no possibility to be worked out and if i do not come up with all XXXX the entire amount of the Covid-related missed payments i would be foreclosed upon immediately ( unbelievable! ) ; compounding matters i have been making partial payments for the last 4-5 months ( escrow only ) and i was also told i am entitled to an additional month of deferment but i can not get it please help me as i want to work out a structured settlement but the rep-manager, XXXX XXXX is not being cooperative whatsoever! 

thank you in advance for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion removed these collections accounts, and then put them back on my report. I am extremely stressed and frustrated. According to the FCRA they were also supposed to notify me within 5 days of putting this information back on my credit report. I did not receive any type of notification. I am demanding that they remove all these collections accounts from my credit report. Additionally that late payment that Transunion is reporting is inaccurate because that account was turned into a collection/chargeoff.

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Dear CFPB Team, I am writing to you today because I truly need your help in removing an inaccurate collection on my credit report. 

The original creditor was XXXX  and I now have a collection on my XXXX report from a charge off collection agency called " ENHANCED RECOVERY COMPAN '' The incident that occurred happened over 3 years ago. I was upgrading my cellular device and the XXXX representative from a franchise XXXX  store told me that I had to change my cell phone number in order to upgrade my phone. I off course didn't know better and I thought that was part of the process. It turns out that they basically opened a completely new account and closed the old account that I had without my knowledge. 

I later called XXXX customer service the same day because I suspected something was wrong and the entire experience felt very suspicious. They explained that the third party XXXX store did fraud with my account and closed my original account without my consent and opened a new one because according to the customer service rep the store sales people get paid more in commission with new accounts. XXXX informed me that because this was fraud they where not going to issue any charges on closing the old account. 

Well fast forward and I learned that the account was still being charged and sent to collections. I have tried contacting XXXX about this without any resolution. I never saw a notice regarding this neither was I aware of this collection because it was fraud done from a third party XXXX franchise store and according to XXXX I was not going to be charged. 

That is why I am writing to you cfpb team. The collection is completely inaccurate and fraudulent. My attempts of removing this collection has been unsuccessful and it has now appeared back on my Credit report. I would please ask that you help me remove this collection asap. 

I am a very responsible consumer and my credit health and worthiness is very important to me. I have 100 % payments on time and I always ensure that I am being responsible with any new loans or debt that I acquire. I always pay them back. This unlawful collection is hurting my credit score that I have worked so hard to build and maintain. 

Please help CFPB. I can only assume that I am a very little and small problem compared to all the complaints that you receive. But what has happened to me is wrong and it should not happen to anyone specially when I have been so responsible with my payments and credit. 

Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with Midland Credit I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Prepaid card never receive and My unemployment benefits was stolen on my us bank relia 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 explanation
Consumer complaint received 2021-08-17 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: MD

Complaint narrative:
I have found several errors and violates on my credit report. My consumer rights are being violated according to various consumer laws. I have filed a ftc report previously and 5 accounts have reappeared. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) the credit reporting agencies can not reinsert items.

There I no permissible purpose for the furnishing of these accounts 15 USC 1681b ( a ) ( 2 ). Also according to 15 USC 1681 a ( 3 ) Identity theft is fraud committed using identifying information of another person. According to the FCRA definition these accounts are definitely identity theft

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 2021-08-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has the most XXXX supervisors who seems.like just passed out from grade XXXX in school,, they can't follow up anything and blatantly lie on the phone. And their talented executive office just provides a one liner to the customer " we are sorry for what happened ''. 

On XXXX morning, I spoke with a supervisor named XXXX who couldn't follow up with my inquiry, he had no clue what to answer how to answer, and he is a supervisor. What is he exactly supervising? His own XXXX? I asked for his manager and he scheduled the call for the same day after XXXX LA time. 

I call again on XXXX and operator says the executive office will call me on XXXX during business hours. I am not going to cancel all my work just to speak to a manager from Amex. Amex can not keep up to their phone appointments with customers, that's quite obvious by now and top of that provide fake misleading phone appointments like XXXX. 

On XXXX I again spoke with a thick accented supervisor who could not follow the transcation list one by one when I was going with him all the transactions. I have more important things to do in life and can't spend hours and hours on the phone with XXXX XXXX supervisors from Amex. 

There is an issue with my recent transaction list and I can't seem to talk to anybody about it in Amex because your supervisors are all XXXX who can't follow up nothing. 

Your job does not finish by using the word sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Their investigation did not fix an error on your report
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: VA

Complaint narrative:
The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with American Express during XX/XX/2019. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. I have notified the CRAs of this, still no response. 
American Express was also made aware of violation Federal law pursuant to 15 U.S.C. 1692d ( 5 ) -I received thousands of calls from American Express attempting to collect a debt without my consent outside of convenient hours which is deemed harassment. 

Attached below also is proof that American Express has received my affidavit of truth via certified mail. 

I requested American Express to provide the following to validate the debt : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
VerificaYon that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with XXXX XXXX I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.

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 2021-08-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.

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 2021-08-17 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:
To whom it may concern, There are unathorized inquiries on my credit report. These are inquiries that I did not make, and I did not go to these companies and apply for anything. Someone stolen my identity, and applied for these things. Please remove these inquiries. 

XXXX XXXX XXXX Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Early Warning is currently reporting inaccurate and misleading information on my consumer report. They do not have permissible purpose or my written consent to furnish or share this false information. This is hurting my reputation and credit worthiness. I have asked for verification multiple times and they responded back to me that they do not have access to the account documentation surrounding this alleged account there for they are unable to provide copies of any documents or any verification. If they are unable to verify the accuracy and completeness of this allegation against me i demand this to be removed from my consumer report immediately.

Company response to consumer: Closed with explanation