vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
On XX/XX/2020 Fortiva Retail Credit agreed by written and oral communication to settle account ending in XXXX for an amount of {$3300.00} and to further report the account to the credit bureaus as paid settlement with a XXXX balance. As agreed, 10 Payments of XXXX were made to Fortiva ( as shown in payment ledger courtesy of XXXX, debt consolidation company authorized to settle this account on my behalf ) The original debt for this account ending in XXXX was {$5800.00}. The settlement agreement reduced the debt owed to {$3.00}. As agreed, All 10 payments were made on time and were accepted by Fortiva. All proof is attached of agreement and payments made. After 28 calls and written communication to Fortiva, Fortiva has not resolved this debt for account ending in XXXX as they agreed to. They are continuously and aggressively trying to collect a debt which I no longer owe per our agreement. In addition, they have not corrected my credit report as promised in their written communication. Please help me, no one from Fortiva has helped me. They They keep giving me the run around transferring me from agent to agent with no resolution. Please help me. This has been a nightmare. Thank you. XXXX XXXX

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 2021-09-12 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: U.S. BANCORP
State: AZ

Complaint narrative:
Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: MA

Complaint narrative:
RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that AcceptanceNow, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported. 

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid. 

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score.

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX-year-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit.

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Primary address is wrongaccount is on freeze and companies still accessed credit report. Wrong phone numbers or numbers that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-09-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX, XXXX, Va. XXXX Have been sending me collection notices in the amount of Account Numbers ( XXXX {$380.00} ), ( XXXX {$330.00} ), ( XXXX {$540.00} ), and ( XXXX {$470.00} ). The collection has been reported as pass due balance I do not know this company. I have never done and business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Issue # 1 : My replacement card was lost in the mail. I wasn't notified that a replacement card was on the way. I called on XX/XX/XXXX asking when my replacement card was sent and I was told it was sent on XX/XX/XXXX. I said I never received it and I was told a replacement card was sent. I asked if there was some kind of tracking information that could be provided, I was told there was none, only to look out for the card in 7-10 business days. Given the security risk that the first card was already lost and that my card was expiring, the new replacement card should have been sent through courier or at least priority mail so a tracking number could have been provided. Also, given that my previous card can no longer be used since Synchrony closed the card, an expedited shipping should have been provided.

Issue # 2 : My provider ( XXXX  ) used the wrong type of preferred payment, one where there is a lower interest rate but no period of repayment. There was a misunderstanding in the set up of the loan because my provider does not allow people inside their premises due to covid. I asked if there was a way to change my preferred payment option. I wanted a deferred payment plan with no interest and a fixed amount of time to pay. I was told I had to go back to my provider. It is my understanding that the credit card company fronts the payment to the provider and the repayment is between the credit card company and myself. So I don't understand why the terms of payment can not be changed with the credit card company. Is there a way this can be done?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX/Wells Fargo is very misleading and has been giving me the run around about a payoff amount. I'm being charged extremely high interest and always promised to receive a payoff amount in ten days. This had been going on for the last year with no resolve. I am past frustrated and it seems that I can't get any help! They sent my info to the wrong residence and also added another wrong email to my account ( compromising my info ) which I NEVER gave them. I now have a derogatory mark on my credit report and I have always paid on time, NEVER LATE!! I need assistance, PLEASE HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: OH

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has three accounts for me and have not proved these accounts are mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my Transunion and XXXX credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was 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 2021-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my XXXX and Experian credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was 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 non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TX

Complaint narrative:
I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I put in an auto-pay for XX/XX/XXXX, which would cover my payment due on XXXX. The payment did not go through. I called the first week of XXXX and they were not understanding of the issue at all, so I had to hang up the phone. If I pay outside of their autopay system, they charge me an extra {$20.00}. What a ridiculous joke. I want to autopay early, and I have a right to do so. Let me do it.

Furthermore, they are now listing suspense payments on my account. The Note I signed with my mortgage, along with my Closing Disclosure, say that suspense payments are not allowed with this loan. I should have no prepayment penalty and no suspense payments.

Third problem -- their app does not list whether they are going to pay my taxes on the due date of XX/XX/XXXX. They have no idea what I'm talking about when I mention this on the phone. This needs to be addressed.

I received the required service transferring notice more than 15 days after the actual service transferring took place, despite reaching out to make sure that the notice from my old servicer was real. The servicing transfer notice told me they would change my mortgagee clause for me, but that never happened.

I can not access documents on their app or website despite going paperless to avoid their unconscionable and illegal {$20.00} fee for electronic prepayments. I have no records of my payment history or escrow payouts. Their app doesn't list it, either.

I would like a different servicer. I am getting sick of these people and it's been less than a month. Someone ought to sue these people out of existence. The CFPB is apparently toothless! Do something about this, already! It was bad enough when they were Ocwen! Now they are engaging in the same behavior under a different name!

Company response to consumer: Closed with explanation