vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill. 

During the call, I made a settlement offer of {$600.00}. First off, the collectors were  extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client. 

Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''. 

All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law. 

Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure. 

I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was XXXX XXXX. XXXX XXXX  sent this debt to another company before National Credit Adjusters and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2013, I applied for my first credit card - as a XXXX XXXX with no credit history my options were limited. Many of my older family and friends noted Capital One would be a great place to start with a secure card and then graduate my account. It is six years later - Capital One has now paused their secured card graduation program and a few years ago they began to charge me an annual membership fee so not only do they have my deposit but they also charge me for an account that has my money secured with it. To top it off, for the same card that I have Capital One Platinum - Secured Mastercard they arent charging an annual fee for new card holders. I have always paid on time and have great credit. The only reason I keep this account open is ironic - it is my oldest credit card - if I close it then my credit would take a hit. I understand theyve paused their secure card graduation program and that they cant upgrade this card and return me my deposit but it is insanely criminal that I have to pay them annual membership fee especially when they wont hold their original contract and that new card members dont have the same experience is unfair as well - it is unjust unfair, immoral and just wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 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: MI

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit report : XXXX  XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Mar Joe Enterprises
State: TN

Complaint narrative:
The company CBC from XXXX, Tn is a collection agency that has been harassing me about an unpaid amount from the XXXX XXXX XXXX XXXX bill that was supposed to have been paid by XXXX and XXXX to which I have been on since 2010. I have expressed, both to the reported agency and this collection agency, that both, XXXX and XXXX, to whom I have also sought help and inquiry of this billed amout- that their response was for this collection to be rebilled to XXXX XXXX services. I was never supposed to be billed for any medical services, as this was a service that this same Medical Provider is now still paying and has been paying for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX, XXXX XXXX XXXX, child support enforcement. i simply ask that these ithems to be remove from my credit report thanks

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 2020-04-07 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2020-04-07 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:
XXXX XXXX XXXX XXXX  HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2020-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was speedy cash. Speedy cash sent this debt to another company before XXXX XXXX XXXX and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: SC

Complaint narrative:
I been having a terrible experience with Experian and XXXX XXXXMy credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a XXXX  XXXX account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed Experian about this matter and although I have a security freeze an Experian representative told me that XXXX  XXXX broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXXPlease if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a XXXX  XXXX   and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX  XXXX at XXXX XXXX  and XXXX  XXXX  and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft 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 2020-04-07 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: NY

Complaint narrative:
I attempted two recent wire transfers in the past 2 weeks. I received email notification from the bank ( Chase Bank ) that these were cancelled for security purposes, and directed to visit Chase.com Secure Messages for more information. I then attempted to log into my account, but received the following message : " We locked your account to protect it from suspicious activity. To unlock it, call XXXX ''. I duly called this number, was put on hold for over an hour, then disconnected. Twice! I can not access my funds. I can not log into my account. I can not speak with anyone at Chase to resolve the issue. As far as I am concerned, they have taken my money without any recourse or ability for me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2020-04-07 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:
XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
I bought a home back in XXXX I dealt with mortgage forward with XXXX  XXXX bank I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was two parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX  I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Freedom credit card has continually and monthly denied charges on my card that I attempted to use it in the store within the county I live in. They were informed not to that and I regularly check my accounts and have credit monitoring and I would promptly notify them of any fraudulent charges or my card missing. I do not know if it is the same person that may have a undue grudge or the system routinely decides to deny me making charges mostly under the sum of {$100.00} where I live and on vacation even though they were notified of where I would be. I have had this account over 11 years and have not experienced this to this extent until within last year. Chase needs to stop denying me the use of this card! I feel it is discriminatory for the continued denials despite me informing them not to which in my opinion amounts to harassment and continued denials despite me informing them not to. I have never failed to pay this card in a timely manor. There has never been a loss on my card the bank had to cover or any transactions I missed that were not taken care of by me. I never had any use of my card by anyone but me and this needs to stop. After 183 minutes they hung up on me. Chase Freedom customer service in the fraud department is horrific and is deserving of the poorest rating available without a doubt in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-07 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:
XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-07 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: ERC
State: GA

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation