vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote  Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX My complaint is in regard to Experian XXXX and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, XXXX  and Experian.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely 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 2019-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XXXX-19 Bank Of America took {$30.00} from me ( withdrawal ) fee because I took money out of my account I'm very upset with there policies and I would like my money back. I don't understand How can I be charged a fee for taking MY MONEY out.

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 2019-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Coastal Credit, LLC
State: PA

Complaint narrative:
I have a loan through Coastal Credit LLC that I have been paying on for nearly 3 years. Mostly all of my payments have been on time or early. I have even asked them at one point about refinancing the loan for a lower interest rate, they told me they do not do that. I found that to be odd. A few months ago, I received an email stating that qualified for a payment deferment, i replied back that I would be interested as it was near the holidays and it would be nice to have some extra money. I got a response that it was sent to me in error and I did not qualify. The representative on the other end of the email was terrible! These past couple of months have been rough, my husband has fallen quite ill and I have been struggling with bills, Im still making my payments but late, well within a 15 day grace period but I was informed today, they have no grace period and they continuously harass me, my family, friends and call me at work multiple times a day even if I have communication with them! I have told them to stop and they wont! It is flat out disgusting! I have even given payment dates and I. Always pay when I say I will! I am at witts end with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
I disputed a item on my credit file multiple times and it showed deleted and it still reflecting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
We are currently trying to refinance our mortgages. We just found out that Bank of America shows that our acct is charged off ( Acct # XXXX ) We had fell behind, a while ago, but set up payment arrangements with them, and the ACH our payments out each month. We have never received any info on a " charge off '' and currently paying them each month. We also show them still on our title, and they have a lien on our property still.

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 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech Financial LLC is my home mortgage company. Every year Ditech send me an ESCROW Refund due to overage then immediately go up on my mortgage payment due to insufficient amount in escrow account. They are running some sort of scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX , XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
I have a current principal balance of {$18000.00} on my student loans. 

I have submitted my XXXX ( Loan Repayment Form ) to XXXX XXXX XXXX on four different occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All occasions are documented and accounted for. 

At this time, XXXX XXXX with the Lead, Medical Incentives Branch ( DPAMM ) has not received the XXXX Form, which is necessary to pay my loan installment. My loans have been accruing interest in the meantime. 
Last spoke with XXXX XXXX Employee with reference number XXXX. She stated the from was expedited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I couldn't find the specific indicators to move forward with my complaint, so I choose those as close as possible. 
I had a mistrust of Cooling and Winter prior to settling my XXXX XXXX XXXX credit card lawsuit with them, due to the information I read about them and how they handled their business/treated their customers. During the time prior to the agreement, I was able to get in contact with someone from Cooling & Winter,  after the agreement, that has not been the case. I have been sending my payments by money order, but have not been able to get an email/proof that the payments have been received, because I can't get in touch with anyone to return my numerous calls that I have left on their answering machine. I also want a balance remaining update to insure that our information is the same. The last two calls for example were XXXX XXXX on XX/XX/19. I left a message at ext. XXXX which was supposed to be XXXX XXXX ( I don't even know if he's still employed there ), but I have not received a call back. Another call was made XX/XX/19 @ XXXX XXXX I spoke with a representative named XXXX XXXX. She asked for my name and didn't seem to be able to find my account. I the gave her the case # /number I put on all money orders with my identifying info when the payments are sent, and she still didn't seem to be able to pull up an account. She finally said 'Hummmmm. hold on for a second ', then before I knew it I was listening to another phone ring. The answering machine was for someone whose last name I made out to be XXXX. I left a message for him, but he never called me back either. I have an answering machine so that if they were to have called back and left a message, I would know. This company has some of the worst customer service and non responsiveness that I don't see how they have not been sued again by the CFPB. I know I can't be the only person the be having issues with this company. I just need simple verification, so that when I finish with this claim, I have proof in the form of a letter from them hat it has been paid so that I won't have any issues in the future. If their bookkeeping is anything like what I have been confronted with, I can't imagine trying to get any proof of anything in the near or extended 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 2019-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: CA

Complaint narrative:
I have been in contact with XXXX XXXX, XXXX, and Vital Solutions Debt Collections, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on XXXX end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no XXXX. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with XXXX XXXX, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with XXXX automatically come with XXXX XXXX. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all XXXX leases in California DO come with XXXX. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by XXXX. XXXX says they paid out XXXX when XXXX requested the amount in XX/XX/XXXX when the car was totaled, and that if XXXX believes that XXXX owes them money, then XXXX is the one who needs to contact XXXX to fix this instead of taking me to collections. XXXX states a deductible was not paid, XXXX says it was paid. XXXX needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: NV

Complaint narrative:
I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from experian. However, experian didnt send me my results. It has been longer than 30 days.

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 2019-04-29 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: NV

Complaint narrative:
I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.

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 2019-04-29 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: NV

Complaint narrative:
I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd
State: FL

Complaint narrative:
I recently received a letter from Rossi Law Offices , LTD from XXXX RI dated XX/XX/XXXX. The letter stated that I owed a debt of {$830.00} for a XXXX XXXX XXXX XXXX on my vehicle from XX/XX/XXXX. I have never received correspondence regarding this excise tax in the past and the car they are referencing was sold in early XX/XX/XXXX in the state of Florida under the dealership XXXX XXXX XXXX. I did have forwarding mail and never received any notification of this. The letter stated I had 30 days to respond to the correspondence to inquire more information. As I returned to my home today I received a 2nd correspondence letter date XX/XX/XXXX ( dated incorrectly or fraudulently ) stating that I have not yet responded to the letter from XX/XX/XXXX for the amount of {$830.00} ( different from the original amount stated ).  The letter claimed " we do not understand why you would not want to pay this account. '' This is clearly not a reputable law office, as dates and claimed amounts due have no proof of information provided by the town of XXXX XXXX or the State of Rhode Island, and additionally the language provided in the letter. The dates of the letters versus the verbiage and time of receipt clearly show that this is incorrect information. Should I have had an excise tax back in XXXX in regards to my vehicle I would have been glad to have rendered payment as it would have NOT been over {$800.00}. I have not yet contacted them as I would like to deal straight with the State of Rhode Island instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX My complaint is in regard to XXXX XXXX and Trans Union. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX   automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to Transunion, XXXX and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely 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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX My complaint is in regard to XXXX Equifax and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX. automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, Equifax and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX

Company response to consumer: Closed with explanation