vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Service violated the following Fair Debt Collection Reporting Act 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission EXHIBIT A 2. Violated 15 USC 1692c ( b ) ; Communication with third parties ( credit reporting agencies ) EXHIBIT B 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False
representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

12. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

13. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 14. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

15. ADDITIONAL ASSESED DAMAGES : Defamation of character, lower my score ( not able to get approved for a home loan. EXHIBIT C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RC Willey
State: CA

Complaint narrative:
My account has been incorrectly billed against me and I have attempted to get this resolved. The matter was outsourced to XXXX XXXX XXXX  and advise them of the issue and trying to resolve this matter. The amount being billed was incorrect and should have been corrected. I am herby asking for correction to this matter due to the Fair Credit Reporting Act. They are attempting to steal from me by overcharging for the amount. XXXX XXXX XXXX was going to work this out and RC Willey has just requested the files back. The unethical behavior from them has caused problems as I will not agree to pay more for what I owe. When I spoke to the debt collector they advised me that they were working on a amount of XXXX and that I should get correspondence back. 
I have callled RC Willey and now they are demanding more. I herby challenge and request that all charges and payments be provided along with the merchant to stop harassing me with improper amounts being requested. 
The XXXX was pending a letter to be sent and now RC willey wants to change what was going to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Fair Collections and Outsourcing {$5400.00}

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I keep getting calls from someone saying that my Visa card or XXXX card issued by bank of america was used to purchase {$880.00} worth of stuff on XXXX. 

They mention any financial company. In this particular call they mentioned bank of america and XXXX. When I called them on their scam they hung up on me and then texted from a different number. In the text they mentioned Visa. 

Numbers usually comes from : XXXX XXXX XXXX Date : Thursday, XX/XX/2021 Call time : XXXX Text time : XXXX I think they are trying to get me to give up private information in order to steal my identity. They keep calling.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
Specialized loan servicing is currently holding {$34000.00} in escrow when my annual combined tax and insurance are {$16000.00}. I have been attempting to get a review and a refund for months. The automated phone system is circular -- it just starts you back at the beginning every time it says its connecting you to the escrow department. And the people who answer the online message submissions outright refuse to help. Even worse, the system does not allow you to respond to their responses ... you have to start all over again.

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 2021-04-15 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: Commonwealth Financial Systems, Inc.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Source Receivables Management LLC
State: NY

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EMCC Holdings, LLC
State: TX

Complaint narrative:
This is a formal complaint against Equiant Financial Services located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Equiant Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

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 2021-04-15 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: WA

Complaint narrative:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/2021 I disputed directly with the collection company because I don't believe this debt to be accurate ; so I requested validation of the debt. PlusFour Inc never responded to me nor did they ever validate the debt they claim is owed. I have now submitted a 2nd dispute, today XX/XX/2021 with PlusFour Inc and pending a response.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have had a problem with my Sam 's Club Credit card since I opened it last year. Not sure if it is the bank or just Sam 's Club, but there are some very questionable and misleading practices they have that are alarming. 

When I opened it, I was told the card was accepted at Sam 's and Walmart stores. I also was told that if I made a purchase within the first 90 days, I would get a credit of {$45.00} on my acct. I did, and when I went to pay the balance off, I inquired when the {$45.00} would be posted and was told the date. After that date passed with no credit, I inquired and was told " You didn't make the purchase at Sam 's Club. '' They were NOT explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both. 

Most recently, I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due, as I had not received an email stating it was time for the payment. I saw that the due date was XX/XX/21 and I was a few days late. I clicked " Pay the minimum payment '' button and went through the steps to pay the minimum payment. I even asked a chat rep if there would be a late fee and he said he would waive it. Then, today, XX/XX/21, I checked my bank acct and the full balance -- over {$400.00} -- had been taken, leaving me with an overdraft. Sam 's Club Credit would reverse it or cancel it and basically said, " You made a mistake. '' They have shady, misleading, and deceptive practices and the bank that is behind their credit cards needs to be investigated. People need to be warned to NOT open a credit card with them, as they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Southwest Credit Systems {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Please verify the following accounts, I need this to be investigated and fixed immediately. 

This is a duplicate account PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have made several attempts to request valid debt validation via certified mail with Portfolio Recovery & Associates to no avail. It has remained on my credit negatively for quite some time. XXXX  has removed for lack of validity, but the other 2 bureaus ( if you can ever talk to anyone ) refuse to remove this collection. Why would one bureau remove and not the others? I decided to just make a settlement ( all I can Afford in the covid pandemic ) because Recovering economically from covid is going to be hard enough with good credit. My offer was laughed at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: MD

Complaint narrative:
Denial of mortgage Re-Fi opportunity due to false information. Deceptive information and claims regarding denial. Loan officer ( XXXX ) stated loan denied based on derogatory information reported from XXXX XXXX on or about the XX/XX/2021 which is protected by the Cares Act. Loan with XXXX XXXX was amended to reflect a new maturity date. Loan was never delinquent or pass due at anytime. Spoke to XXXX XXXX to ensure that it was not reporting negative on my wife and I credit report. I also pulled our credit reports to verify. XXXX stated he called to advise, never happened. Stated denial letter was mailed around that time, never received. We then sent emails for clarification regarding the specifics of the denial that was never answered on or about the XX/XX/2021. Left several messages to return calls to no avail. Spoke to XXXX, stated would look into the matter and return call, never did. Spoke to XXXX on or about the XX/XX/2021, stated would have XXXX manager call me back. Again no call. Received denial letter dated XX/XX/2021 with bogus information on the reason for denial. Was not the supposed originally dated denial letter. Pulled credit reports to reflect the correct information. Never received originally dated denial letter. Need answers to why I could not speak to the department that provided the erroneous information, why I was not contacted regarding denial until the day before settlement ( XX/XX/2021 ), why veterans are treated by this organization with this level of deception, why I continue to receive solicitations from this company even after denial, why are they allowed to send incorrect credit reported information, why I received a denial letter dated the XX/XX/2021 when I requested the original letter sent via email, what corrective measures they have in place to correct this disservice to veterans, what are they going to do as an organization supposedly supporting veterans to correct this wrong, why have, after requesting the direct mailing address for the Board of Directors not provided? Request made via website. What are they going to do to provide re-fi services to my family and I. On or about the XX/XX/2021, I contact the XXXX who as of XX/XX/21 have not yet received a response back from them. Did receive a call from XXXX who stated was XXXX manager, he could only apologize for no one getting back to us. All other concerns still remain. The company in questions is New Day Financial Services.

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 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I read about the class action lawsuit with Santander. It stated my attorney General for the state of Arkansas has sued them for unfair practices for predatory lending. The maximum allowed interest rate in the state of Arkansas is 17 percent. my loan rate is currently at 24.10 % I called and left a message with the Attorney General 's office. I then called Santander to speak with them regarding the loan and the interest and how I was never sent any notification, as I was qualified for either restitution or loan forgiveness according to the website that was managing the class action lawsuit or at least that what was my understanding, so I was calling to clarify the information. I'm not a lawyer so I figured they would have to tell me accurate information about my rights. They refused to speak to me regarding it and said I had to speak to the Attorney 's general office and said all settlements have already been reached. I don't know what else to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NAVY FEDERAL CREDIT UNION
State: NY

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XX/XX/XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief