vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC
State: AL

Complaint narrative:
A collection agency is calling my work from the 2 below numbers and threatening me with contacting my employers. All my calls coming in and going are on a recorded line that my employers keeps. I've asked them several time to not call my work but they continue. My employer does not allow these calls and I can be fired. I've expressed this to them but they continue to call. The collection agency is saying it's a XXXX Credit Card and below are the 2 numbers they are calling me from. I need my job and I need them to stop calling my work. Please help as times are hard and money is short. I'm doing my best to hold on to my job as I know I'm blessed to have one during these hard times. 
Calling from the below numbers XXXX XXXX Last week ( XX/XX/2021 - XX/XX/2021 ) I received a call and asked them not to call my work and they said fine we'll call your employers and hung up. 

Today XX/XX/2021 - Received a call at XXXX and again asked them not to call my work. 

I'm not sure how to stop them but happy I got the call and not my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was granted a COVID Forbearance plan. During the forbearance plan I missed a little over a payment and a half. In XXXX I wanted to bring the loan current. I asked that the lender defer the missed payments. Upon reciept of the paperwork I notice that there would be a negative reporting on my credit. I asked to pay the deferred amount back to bring the loan current. The lender has refused. I have called over 12 times. This is clearly illegal. I never signed any paperwork. Loancare unilaterally made this change without fully informing me of the remifications and getting a signature. Additionally, my wife is a co-borrower and she never signed or consented to anything. Finally, they are refusing to accept my money to take it out of deferral thus making it impossible for me to refinance not only this property but any property I would own or want to own in the future.

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Received a call from Credit Management stating I owed {$77.00} to XXXX. I said this was not possible, I have an account with XXXX right now in good standing. Lady on the phone said she will XXXX debt as disputed. Move forward to today and I get a notification theyve placed a collection account on my credit report for {$77.00}! I have not received any debt validation letter or proof that this is even my debt. I call Credit Management and they sent me a letter on XX/XX/20, I say GREAT, I have the post office scan all my incoming mail to me via email and can prove I did not receive a letter. Credit Management says on the phone thats not our problem. I tell them they can not report this on my credit without having sent me debt validation. They say thats not true and you should know 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 non-monetary relief
Consumer complaint received 2021-01-20 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: OH

Complaint narrative:
On XX/XX/XXXX I paid in full for 11 accounts from XXXX XXXX XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to XXXX yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XXXX XXXX XXXX  on the reports.I don't see them on XXXX anymore so its just XXXX and transunion. 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Received a debt collection notice on XX/XX/XXXX. I responded requesting verification of this debt by certified mail. SRM received the dispute on XX/XX/XXXX. Attached is USPS tracking XXXX. 

No response until XX/XX/XXXX. Letter is dated for XX/XX/XXXX. This is 47 days outside of the FDCPA section 809.15 USC 1692g. I clearly in my first letter requested proof of the amount that XXXX claims I owe and was sent back a contract with no verification of what exactly I owe and what for? I currently use XXXX and service with them and have no outstanding debt owed. 

I received a phone call at XXXX XXXX central time zone on XX/XX/XXXX. This call came from SRM claiming I owe a debt. I again asked for clear verification how I owe {$260.00} and the lady on the phone refused to clarify that debt claimed I owe. I called back and spoke with XXXX at XXXX XXXX  on XX/XX/XXXX and she hung up on me after I told XXXX that their response was past the 30 days under FDCPA. I also tried to explain I need better clarification of the debt. Please see evidence attached to this complaint. 

This debt is false and misleading.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: TN

Complaint narrative:
I contacted the collection agency ERC to ensure that the information would not be on my credit report if my payment would be made by ned of the month. The payment was made on XX/XX/2021 and I was ensured by the agency representative that as long as I made the payment by the end of the month that it would not be reported to the credit bureaus. AS of today, the information is on my credit report and it should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Transunion Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing today in regards to my account with DSNB Macys Account # XXXX. The reason for writing today is in regards to the late payments showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

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 2021-01-20 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: NY

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint regarding Equifax not reporting my date of birth correctly. Equifax has been reporting my date of birth as XX/XX/XXXX. That is NOT my birthdate and I have filed a complaint after many attempts to have the information corrected, complaint number XXXX. 
I received a new report from my monitoring company and the updated information is still shown as XX/XX/1969? How is this possible? And how is Equifax responsible for reporting accounts correctly if my personal information is not even correct? This seems absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: IA

Complaint narrative:
In XX/XX/XXXX I ordered custom window from XXXX XXXX and chose to finance the project through greensky. My account was charged a deposit before the installation was scheduled and my payment because due without receiving any communication from the Greensky. I was assessed a late fee that was not reversed. The installation was delayed over a month past the date that was discussed and when the installers finally installed the windows they broke one and were unable to complete the installation. I called Greensky initially to request my account documents and monthly statement, which was sent after the second request. I called Greensky a third time in XXXX after the a second statement said the account was delinquent after I made my initial payment. XXXX XXXX payment was already paid, so I asked the representative what payment I should be making to get the account current and paid through XXXX. I was advised to make an additional payment and I sent the check 3 days later. In XXXX I received another statement indicating my payment was due and showed the entire balance had been charged to my account but the installation was not completed until XX/XX/XXXX. I called again to request a complaint be opened for each of the issues : 1. To have the misapplied payment applied to XXXX XXXX to have the {$11000.00} balance posted on the date of completion rather than XX/XX/XXXX. The agent told me to not make a payment in XXXX until they had reviewed the account and advised they would call back before the XX/XX/XXXX due date. I called again on XX/XX/XXXX and the agent told me the complaint or complaints I was told would be opened, were in fact not open. I requested that they be opened immediately so I can pay on time if I needed to. The agent told me that someone would call me the following Monday XX/XX/XXXX at XXXX and again advised that I not make a payment. I advised that Monday was a national holiday but the agent confirmed that someone would call. No call was received or missed on XX/XX/XXXX. I called again today, XX/XX/XXXX, and was told the complaint manager XXXX was not available and was offered to be transferred to his voicemail. I said that is completely useless and then the agent got XXXX on the line. I asked XXXX why no call was made and was advised that the complaint was not assigned to him until yesterday. I asked how the complaints would be resolved and the agent hung up on me. I called back requesting to speak with XXXX and requested his identification information and the agent refused to provide it. I requested that XXXX call me back in 30 minutes and hung up. No call had been received and no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I recently applied for a new Chase Freedom XXXX credit card and was asked to agree to " Terms '' that they may take time to review my application. They mentioned that it will take up to 10 days. However, after I submitted my application, I got an email suggesting that I may wait for up to 30 days for the card to arrive by mail or get denied. The dramatic discrepancy in the time frame is preventing me from making a planned purchase. I called Chase, trying to revoke my application of the new card because it will no longer be helpful, but was notified that even though it was pending review ( not yet under review ), they can not cancel my new card application but can only close my account if/when I get approved. Overall, there is misleading information on the card application site and zero customer support about canceling an unwanted application after the fact even though I immediately reached out to them after finding out the unrealistic time frame. This dubious practice should be made known to other consumers so that people think twice before choosing Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: AR

Complaint narrative:
I have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.

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 2021-01-20 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: AR

Complaint narrative:
I have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.

Company response to consumer: Closed with explanation