vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I am supposed to be informed per the FCRA before any trade is listed on my file. No paperwork for was provided to me at my CORRECT address nor did I receive phone communication prior to this illegal trade being put on my file.This is illegal and infringes on my rights! This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NE

Complaint narrative:
I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
An account holder at Chase Bank passed away in XX/XX/2020. The account holder lived in Washington State, but was a XXXX resident. The executors of the estate for the account holder currently live in XXXX. 

Chase is refusing access to the account of the deceased account holder by the executors of the estate until they appear in person. Currently our borders are closed BY OUR FEDERAL GOVERNMENT and the executors can not appear in person. 

Due to Chase 's refusal to allow access the the funds in the deceased account holders account, some of the assets of the estate are in jeopardy because the creditors can not be paid. THE ESTATE IS AT RISK OF LOSING ASSETS due to Chase 's refusal to allow access to the funds in the checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money. 

However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them. 

Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill. 

I'm sick of this and want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
Someone at Jpay/Chargeback cashed my money order for {$250.00} in XX/XX/2020 and did not post it to my intended person, XXXX XXXX XXXX, inmate XXXX. I have called several times from XXXX to XXXX and written to them. I sent them a copy of the cashed money order in XXXX and XXXX and no one has called me or written to me about my money. It has not been posted to XXXX XXXX account for commissary and it has not been returned to me. I have sent several payment to his account since this money order and there has been no problem. The money order was sent to chargeback by mistake and they took advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XXXX data breach and may have gone into the wrong hands.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
my mortgage loan has been sold or transferred to another company. during this process it appears that they somehow lost an escrow payment. I have had this loan open for over 6 years and never missed a payment. I escrow monthly for my property taxes. I received a letter telling me that I am {$2500.00} short in my escrow account and either have to pay my mortgage servicer {$2500.00} now or they raise my payment to cover this difference. I did not have {$2500.00} to cover this shortage and there SHOULD NOT BE A SHORTAGE since I pay my mortgage and never missed a payment. I called the escrow department, showed them proof that mortgage payment was never missed, the escrow department acknowledged this fact, yet they stated I still needed to continue to pay an extra {$200.00} per month that I can not afford or they will not accept my payment, essentially forcing me into default if I do not comply with their demand. I asked for them to put my escrow on hold while they investigate, they refused and told me if I want to stop escrowing for taxes I would need to login on their site and make a request. They told me it would take over 1-3 months to do an analysis and figure out where they lost my money to pay my property taxes and while they try to figure this out, I am forced to pay an additional {$200.00} per month or go into default if I can not afford it. I am XXXX years old, I live on social security and I am now forced to not pay other bills in order to maintain my current status on my mortgage. This is an absolutely egregious error on their part, they listen, they agree I'm right, but because they can not figure out why they lost a payment due to a transfer of servicing, they are putting the onus on me to pay for their incompetence and mistakes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
A Mattress Firm employee ( store location : XXXX XXXX XXXX XXXX, XXXX, KY XXXX ) on XX/XX/2020 asked if I was interested in applying for store financing to see what I could qualify for. I asked if this inquiry would be a soft or a hard credit pull. The associated replied that it was just a soft pull. She then asked that I write down my social security number and provide my license so she could confirm my name. I asked her to confirm why this information was needed. She said it was just to check eligibility for store finance options. She said I was approved for {$9400.00} in financing if I decided to purchase through them. 

At no point did I sign any document and there was no mention of a credit card application. I also did not end up purchasing products from this store so there was no need to even open this line of credit. This process was explained to me as a soft pull to check eligibility. 

On XX/XX/2020 I received a new credit card from Synchrony with a credit limit of {$9400.00} opened through Mattress Firm. I spoke with the store manager that same day and told him the issue. He apologized and said I was indeed misled by the store employee and stated corrective action in the way of re-training would be conducted. No further solutions were offered and when I told him this mistake has the potential to negatively affect my credit score he could only commiserate and offer platitudes. 

Additionally, my name is not correct on the card account so I'm not even sure how valid this line of credit is. My first name is spelled incorrectly and my last name is not present at all ( my middle name is present as my last name ). I don't understand how my identify was verified for a hard credit pull with bad information. I don't understand how this credit card was opened without properly informing me of what the employee was doing where the employee actively misled me about the process and did not obtain written consent.

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 non-monetary relief
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Hello! I sent a certified letter twice to credit collection services requesting them to validate debt they reported to my credit their claiming is mine & i have got no response. Im requesting this debt to be removed from all three credit bureaus due to me not owing debt and company not being able to validate its mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: UT

Complaint narrative:
I have sent out several disputes to each of the credit bureaus : XX/XX/XXXX, Equifax, and XX/XX/XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent out several disputes to each of the credit bureaus :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, and Experian and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you

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 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Recently, Debt Recovery Solutions reported two medical bills on my credit report for {$980.00} and {$610.00} respectively. I was completely unaware of any outstanding medical bills that were owed, so as soon as I saw these accounts appear, I wrote to the collection agency and requested more information about where these debts came from. I asked them to send me the name of the medical facility where these debts orginated, the dates that the supposed services were performed, what procedures were performed, and if my health-care provider was properly billed. Well over 30 days have passed, so I can only assume that the collection agency can not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.

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 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXXMy account was close in XXXX XXXXI received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PRA failed to validate the debt or establish that the debt is associated with me. As. PRA knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And PRA lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: PA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX. 
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you

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 2020-12-02 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: FL

Complaint narrative:
I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/ with a balance of {$10000.00} -This is not my account.

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