vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I mailed a letter to Credence Resource Manage on XX/XX/2020 in regard to an account for a balance of {$610.00} negatively impacting my credit reports and requesting a debt validation. This company has not responded to my request. I have submitted disputes through the credit bureaus regarding this debt with no resolve. The account was removed from my credit reports ; however, it was put back on my XXXX  credit report. I do not owe this company which is why I requested the debt be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.

5. I have been displaced by these particular acts through identity theft and fraud.

6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.

7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX  which is attached.

8. Thus then, remove this product of identity theft and fraud from my Credit Report.

9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.

10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts. 
11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.

12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements. 
14.

15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit Reporting Agencies ignore federal regulations.

16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. Effective XX/XX/2020, XXXX XXXX XXXX XXXX sold/transferred my home loan to XXXX XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 
3. My XXXX report reflects a good XXXX  score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to XXXX, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from XXXX. 

5.. After XXXX XXXX XXXX started reporting to TransUnion, on XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at TransUnion can explain to me why other than the XXXX XXXX XXXX XXXX was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the TransUnion and XXXX credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.

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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that XXXX be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC
State: TX

Complaint narrative:
In 2018 debt own with XXXX XXXX  NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX  XXXX to inform them of my current substitution and the agent for XXXX XXXX  could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: AR

Complaint narrative:
I RECEIVE UNEMPLOYMENT BENEFITS, I REPORTED TO UNEMPLOYMENT OF ADDRESS CHANGE THEY UPDATED MY INFO, AND USBANK RELIACARD WITHOUT ANY COMMUNICATION BLOCKED MY CARD, ONLY WAY I FIND OUT MY CARD IS BLOCKED AND INFO THATS NEEDED ONLY WHEN I TRY TO PAY MY BILLS AND GET DECLINED KNOWING I HAVE FUNDS BUT RELIACARD HAVE BLOCKED MY ACCESS BECAUSE THEY WANT PROOF OF ADDRESS CHANGE. I PROVIDED THEM WITH THIS ON SEVERAL DIFFERENT DATES XXXX XXXX ... .ON XXXX, I RECEIVED A RESPONSE LETTER FROM THEM STATING THEY RECEIVED MY DOCUMENTS AND NO FURTHER ACTION IS NEEDED. XX/XX/XXXX MY ACCOUNT WAS DEACTIVATED AGAIN, I CALLED AGAIN ASKING WHY NOW, EVERY REPRESENTATIVE TOLD ME SOMETHING DIFFERENT, AND YOU CAN NEVER TALK TO THE PEOPLE THATS ACTUALLY BLOCKING YOUR ACCOUNT TO SEE WHAT IS IT AND WHY IS THIS HAPPENING, THEY CONTINUE TO TELL ME TO POVIDE PROOF WHO I AM, I HAVE SEVERAL TIMES I EVEN WENT ON THE VERIFY.USBANK.COM/ID.RETAIL ON XX/XX/XXXX AND ANOTHER XXXX ON XX/XX/XXXX TO UPLOAD MY ID AND TAKE A SELFIE WHICH IS STUPID BUT I DID IT, THEY HAVE YET TO RESPOND TO THEM. I WAS THEN TOLD ON XX/XX/XXXX TO RESUMIT MY DOCUMENTS AGAIN AND I DID XX/XX/XXXX ... I HAVE MONEY THAT I CAN NOT ACCESS, I AM A MOTHER OF XXXX AND WE ARE IN THE DARK BECAUSE OF THIS NONSENSE. THEY SAY THEY NEED TO KNOW I'M WHO I SAY I AM WHAT MORE DO THEY WANT, I PROVIDED ID FRONT AND BACK, I PROVIDED LEASE, SOC SEC CARD, TAX INFO FOR XXXX. THEY HAVE MY EMAIL AND ADDRESS AND TELEPHONE NUMBER BUT YOU NEED TO PROVE WHO I AM AND IM SENDING DOCUMENTS IN AND IM GETTING NOWHERE IN THE MEANTIME BEHIND ON MY BILLS AND SHUT OFF NOTICES. THEY ARE VERY UNREASONABLE AND UNPROFESSIONAL AND UNORGANIZED TO MAKE THIS BIG HASSLE OVER AN ADDRESS CHANGE, THIS IS NOT NECESSARY TO HANDLE MATTERS THIS WAY, NO COMMUNICATION NO RESPONSES, JUST SILENCE, THERE'S ALREADY HARD TIMES WITH THIS COVID AND THIS COMPANY HAVE DONE NOTHING BUT CONTRIBUTE TO MY STRESS, NOW ME AND MY CHILDREN ARE IN THE DARK BECAUSE OF THEM HOLDING WHAT BELONGS TO ME. IM ASKING FOR ASSISTANCE AGAINST THIS COMPANY TO RELEASE MY FUNDS SO THAT I CAN PAY MY BILLS, AND I MAY NEVER EVER DEAL BUSINESS WITH THEM AGAIN AND WOULDNT RECOMMEND THIS COMPANY TO NOONE.

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 2020-10-28 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation