vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
WITH XXXX XXXX BEING THE ORIGINAL CREDITOR THEY SHOULD HAVE ACCESS TO THE INFORMATION TO PROVE THAT THE ALLEGED DEBT THEY ARE CLAIMING BELONGS TO ME IS ACTUALLY MINE. BECAUSE I CAN NOT GET XXXX  XXXX XXXX OR LVNV FUNDING TO COOPERATE, I AM ASKING THE CFPB TO HELP SOLVE THIS ISSUE. 

I DEMAND LVNV FUNDING FOLLOW THE GUILDELINES OF THE FDCPA, FCBA AND FACTA 312, SINCE THEY ARE LISTING THIS ACCOUNT ON MY CREDIT REPORT AND CLAIMING THAT I OWE THEM AS SEND ME 1. COMPLETE PAYMENT HISTORY OF THE ALLEGED AMOUNT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR ( AGREEMENT STATES THAT DEBT ARE SOLD AS IS. 

WITHOUT ALL OF THIS INFOMATION THE DEBT IS CONSIDERED NOT VALIDATED AND I DEMAND THEY DELETE THIS TRADELINE OFF MY CREDIT REPORT. FAILURE TO PRODUCE ALL REQUIRED INFORMATION WILL RESULT IN A LAWSUIT FOR DAMAGES IN ACCORDANCE TO THE FCBA AND FACTA 312, I REQUEST THAT XXXX XXXX XXXX  SEND ME 1.COMPLETE PAYMENT HISTORY OF THE ALLEGED DEBT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3.CHARGE OFF DATE 4.CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THEY ARE THE ORIGINAL CREDITOR SO THEY SHOULD HAVE ACCESS TO THIS INFORMATION I HAVE TRIED TO SETTLE THIS WITH XXXX  XXXX XXXX AND THEY ARE REFUSING TO PROVIDE ME THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through lexis nexis. 

I demand lexis nexis provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my lexis nexis riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO LEXIS NEXIS BECAUSE LEXIS NEXIS IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND XXXX DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have a bank account with pnc and I wanted to deposit money into XXXX XXXX  and it won't let me even when I have the funds for the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: PA

Complaint narrative:
I contacted my local domestic relations office earlier this month due to a relocation and change of address on my EppiCard. When I reported my new address to the caseworker, it was entered incorrectly days later by the caseworker to EppiCard, so I THEN had to e-mail the correction to the caseworker. The correction did not occur for several days. 

I used my EppiCard child support card on XX/XX/2020 to make a purchase and withdraw money from the account. Today, on XX/XX/2020, I attempted to use the card to make a purchase of milk and other grocery items for my son but was declined twice. I double checked the EppiCard site. The card was marked EXPIRED on the EppiCard site. However, my card does not expire until XX/XX/2020, which is indicated on my account and on the card. I have been on hold for over 2 hours with EppiCard, which the website states has customer service available 24/7. There is no other form of contact besides the customer service number, which is also for lost/stolen cards. I had not been contacted prior to the card being listed as EXPIRED, nor have I received a replacement card in the mail. My mailing address is up to date - there is no reason I would not have received communication. 

I am to receive a child support payment next week that I will have NO access to due to this mistake, and I am in dire need to access the money to pay bills that are immediately due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
While checking out at Home Depot the cashier convinced me to open a a Home Depot credit card and get a {$25.00} bonus. I put one charge on the card. 
On XX/XX/2020, I received my first bill for my one and only charge of {$25.00}. The Account Statement showed payment due date as XX/XX/2020. 
The bill was received 5 days after the their posted due date. 
I immediately paid the purchase balance of {$25.00}. The bill was paid online thru XXXX XXXX  and can be verified. I emailed that their billing was sent 5 days after the past due date advising them of the problem. I received no response. 
I have sent 5 emails regarding this matter over the past 90 days with no response. My last emails in regard to their offering to waiver late fees during covid-19 were answered, but turned down. They keep piling on late fees as I try to resolve this issue. 
If the XXXX bill had been sent out in a timely manner this problem would never have happened. I always pay my bills on time. They are also hurting my credit rating. 
I am XXXX years old and somewhat XXXX and XXXX XXXX. I attempted calling on this matter but was cut off several times, probably because my responses were either too slow or not understood. I tried using their email system with little success. This is having an impact on my credit score, my score has always run in the upper 700 to low 800 range.

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 2020-04-25 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: SC

Complaint narrative:
Experian and XXXX are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX  XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.

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 2020-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: NC

Complaint narrative:
Back in 2015 I contacted XXXX XXXX  about my vehicle loan and told them that I was being discharged from the XXXX due to an injury and could no longer afford my payments. I was instructed to sell the vehicle for the value of the car and I would not have to owe anything due to my financial hardship. XXXX XXXX charged off the loan and closed my account with them XX/XX/2015. Then about 6 months later I started receiving harassing phone calls stating that I still owed the balance for the car because they purchased the collection from XXXX and if I didn't pay it I would be sued. She told me that the only way to avoid this was to enter into an agreement to pay thrm. So I told her that I was only working part time and was declared XXXX XXXX XXXX XXXX by the VA and could only psy {$50.00} per month. I was paying sometimes and other times I couldn't because of other living expenses. Then I noticed after paying for about 12 months that nothing I paid them was going towards the balance and it grew to more than 2k over the original amount. Since then my credit score continues to suffer because of my increasing balance and I don't have any money to pay them due to my recent layoff due to COVID. 
I was told that its illegal for them to collect on a debt raising the amount of the debt with high fees and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT EQUIFAX AND XXXX  DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND EXPERIAN DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CO

Complaint narrative:
My first unemployment payment was processed on XX/XX/2020. Today is XX/XX/2020 and I still have not received the XXXX from USBank. I have tried to contact them at XXXX multiple times throughout the week. I sat on hold for 4 hours and no one answered. I tried calling at different times during the day and can never talk to someone about a replacement card or what I can do to fix the problem. Since then, I have opted to use direct deposit instead. I have 3 weeks of benefits on that card, estimating to about 1000 .

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 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I have attempted numerous times to have information regarding a collections account removed from my account. This account has been on my credit report for nearly 6 years now incorrectly. I have attempted to resolve this with both the company and XXXX credit agency to no avail. My problems with the account are that I have never owed this company or XXXX any money. I have also never paid either of these companies any money for resolution of this issue. This company had 2 collection accounts on my credit report from XXXX. My most recent attempts at resolving this started approximately XX/XX/XXXX at which time I contacted eastern account systems. I called them and asked what this debt was regarding. The customer service agent, who did not give his name, stated there was no account listed under either my name or social security number and that his company did not do collections for XXXX. I then called XXXX and opened a dispute on XX/XX/XXXX regarding both accounts listed in collections. On XX/XX/XXXX I received an update in my XXXX account that the account was deleted. Upon review on one of the two were deleted. On XX/XX/XXXX XXXX I called for follow up and was told that the account noted the information regarding the remaining account was to be deleted with 72 business hours and if it still remained to call back. I called XXXX again on XX/XX/XXXX at which time the representative told me that there were no notes on the account regarding the remaining account from eastern account systems and that the company had said the collection data would stay on my report. Following that conversation I called Eastern account systems who miraculously was then able to locate the account. I asked when and where notice of this account was sent. The reply was notices were mailed to an address I do not and have not lived at. These notices were mailed on XX/XX/XXXX and XX/XX/XXXX of XXXX. It should be noted that the notices were sent after the collections account was opened, which I do not understand. I explained to them that I have never received notice of this and only found out about it when I obtained a credit report for myself. I was never notified of the debt nor was a debt verification ever done. I explained to the customer representative, XXXX XXXX, these facts and the fact that one of the accounts was removed from my account for be inaccurate to which he replied I was not telling the truth. I have attached copies of tax return cover pages with my address for the years XXXX showing that's not my address and that I would have never received notice about a debt that was not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2017 my wife made a charge for {$17000.00} on our American Express credit card. Within a few months it came to light that this charge had been made under " fraudulent '' circumstances by a company ( XXXX XXXX, XXXX XXXX XXXX, etc. ) that had been doing this for a number of years. This fact has been proven in three federal and state courts. Documentation for this has been provided to American Express on different occasions. We have, for over two years, been disputing this charge with AMEX to no avail. American Express has now cancelled my account and reported it as delinquent to the credit bureaus severely damaging my credit standing despite the fact that I have spoken to them on multiple occasions and thoroughly explained the situation. Recently, letters were sent to the " XXXX XXXX XXXX XXXX  '', the " XXXX XXXX XXXX XXXX XXXX XXXX '' and the " Chairman/CEO '' of the American Express Company asking that this matter be re-investigated, the amount be discharged from my account and that such resolution be reported to the credit bureaus as soon as possible. 
Despite the fact that the action ( s ) by the XXXX XXXX, XXXX XXXX XXXX, etc. has been determined as " fraud '' by three different courts and that my situation is a " textbook '' case for the " legal '' definition of fraud, American Express refuses to follow the decisions rendered by the courts or to accept the " legal '' definition of fraud but, rather, apparently feel they exist outside, or above, the law of the land. 
I ask that CFPB investigate this matter and to direct the American Express Company to accept the three courts ' decisions and to follow the " legal '' definition of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
Started a title loan Titlemax XXXX, TN All payments were made on or before time, had contacted them on XXXX asking them on the payoff ( {$2300.00} ) and requested that payment would be made XX/XX/2020 Representative responded that it would be ok and no late fees would be incurred, Received notice via mail postmarked XX/XX/2020 of payoff balance through XX/XX/2020 of {$2200.00}. 
Visited XXXX location directly after work to make payoff, Payment was refused and other charges were orally spoken to a sum well over {$2500.00}. There was no resolve in talking with in store representatives. An effort was made to talk with district managers, A call was received back from one of the district managers, but the resolve was the same as in store. payment was offered and still refused. All actions were made on XX/XX/2020 to fulfill the obligation as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: SC

Complaint narrative:
XXXX and Transunion are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.

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 2020-04-25 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 appear on my credit report because someone has been using my personal information to try and obtain insurance.

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/2020 I have an American Express Blue card ending in XXXX. About a year ago, I noticed that Amex continued to charge me {$26.00} as a recurring charge for Amex Airflight and/or XXXX XXXX XXXX. When I noticed this charge, I called Amex who assured me the charge had been removed. My credit card is on auto-pay, but my husband happened to open the bill and notice the charge was still there for {$26.00}. 

I called Amex twice during the day to cancel the recurring charge and contest the past charges, which amounts to more than {$300.00} since I called last year. I was put on hold for a 1 hour and 20 minutes while being bounced around between Amex offices ; ultimately, the person at Amex hang up. I was then told then second time I called that the travel office was closed now. On the second call, the Amex sales rep ( who gave her name as " XXXX '', sales rep no. XXXX ) said she no authority to end the recurring charge and could not tell me when the Amex travel office would be open. 

Amex is engaging in consumer abuse, misconduct, and/or outright fraud by making it impossible to contest past charges from its corporate affiliate, Amex travel insurance. It's a shell game that most consumers will just give up on and end up paying Amex again and again for travel insurance. 

I ask that you investigate this conduct. Amex Travel Insurance should be able to be canceled and go through a contest process, just like any other charge. Refusing to do so breaches Amex 's obligations to consumers and federal and state consumer protection laws. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been listed as XXXX twice after paying off the full balance through Synchrony Bank and Walmart. They have also reported the same account twice with different account numbers on my report with derogatory remarks after full payment.

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