vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 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: MN

Complaint narrative:
On XX/XX/2018 Portfolio Recovery responded to a letter that I sent to them and all 3 credit bureaus certified, to validate the negative item of {$1000.00} that they have been reporting on my credit report. I ask the credit bureaus and portfolio recovery to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. They continued to send me typed letters from their office stating that I allegedly owe the debt along with a contract that was not signed or dated by me. It was literally a blank copy of a contract. I never received notice to dispute the debt, they just went ahead and added without my consent or knowledge to my credit report, with no means of contact. The worst part is during our recent correspondence to validate the debt, despite having my correct address from the debt validation letters I sent certified, they still sent their response to incorrect addresses twice, how embarrassing! I was only made aware of this alleged debt after being denied credit due to this account affecting my score. I have tried my best to resolve this matter with them, now I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CITIBANK on XX/XX/2017 which l have no idea about it at all.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bliksum, LLC
State: CA

Complaint narrative:
When l checked my XXXX  Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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: Associated Credit Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services -  ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE CARD on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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:
Equifax recently put 2 false items on my credit report. Every time I try to resolve I get booted off, they tell me my info doesn't match or they tell me the site is down. First they put on a XXXX account that does not belong to me. The owner is listed as undesignated but they still put it on my credit with no proof it belongs to me. This is not my account. Next they put in an account I had 17 years ago XXXX/XXXX XXXX that was closed all those years ago and my report says I reopened it with a lost/ stolen card report on XX/XX/2018. I did not report this, this is obviously an attempt to ruin my credit. Both of these bills have very little information and I was unable to buy a car after having almost 700 credit from all 3 reporting agencies. They also have me listed at an address last year in Illinois where I have never gone anywhere near. They gave a false report to XXXX XXXX that I had serious delinquency which was false. I have never been late on my 2 credit cards and have good credit with my bank card and business bank card. This is complete fraud that I've worked so hard for years to clean up my credit and it is being attacked. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by AMEX on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BANK OF AMERICA on XX/XX/2016 which l have no idea about it at all.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CAPITAL ONE AUTO FINANCING on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: MA

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX, I placed an 8 minute call to XXXX XXXX XXXX ( XXXX ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the XXXX rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid XXXX XXXX XXXX - ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had XXXX exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/XXXX. Without collection authority, XXXX had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX, I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.

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 2018-05-08 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: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
My ex-husband and I signed all the paperwork to sell our house to a buyer who had a cash offer. The title company failed to secure the funds and so after we signed at the closing we found out the funds won't be available until Weds. due to an error from the title company 's employee. If something happens to the house, who has possession, this leaves my ex husband and I in a very vulnerable position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2016 which l have no idea about it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BMW FINANCIAL SERVICES on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
where and what are all these charges from the same day? looks like fraud and they can charge any ones account anything at anytime? the followinf data was collected from my credit report. The company is Credit Systems of the Fox Valley aka CR SYS FOX. website is http : //www.csfv.net/. No one from this company ever tried to contact me. 

Creditor Name Balance Balance Date Monthly Payment Term XXXX XXXX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yes I was an account holder with chase then my debit card got stollen I had XXXX in my account then I told chase about it they told me they cant give me a refund and I need my money back to pay my bills someone stole my debit card and withdrawal all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The address indicates on my background report is incorrect on date XX/XX/2017 in XXXX county which I never live there.

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 2018-05-08 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: MS

Complaint narrative:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I attempted to file a dispute through Equifax. The dispute was in response to six items showing as being in collection from a collection company I had never heard of. The collections were report in XX/XX/XXXX. They were reported as PAID and stated they were opened in XX/XX/XXXX. 

I tried to initiate a dispute through Equifax 's online process ; however, their system logged me out when I attempted to process the dispute and would not allow me to log back in. 

I initiated the dispute through an online contact form around XX/XX/XXXX. On XX/XX/XXXX, Equifax emailed me stating the " dispute has been completed. '' I was unable to view the results online. I called their customer support. The representative said the dispute was completed because the collection showed as PAID. I told her I did not believe the collection was valid. She became confused as to why I wanted it removed from my credit report even though it was disputed. I convinced her that I actually did want to dispute the collections. 

I received another email on XX/XX/XXXX saying the " dispute has been completed. '' Again, I could not view the results online. I used their online Chat Support system. The representative just said I could not log in because the system was down. It is XX/XX/XXXX, and I still am unable to view my results. 

To make a long story short, Equifax made it difficult to dispute invalid collections on my account. They closed the dispute without making a proper investigation. They made it difficult for me to get them to conduct an investigation. They are not providing me with the final results of the dispute. Also, the invalid collections are still showing on my account. 

I have attached screenshots of relevant emails. I do not have the recording of the phone call between the customer service rep and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called to get questions about my loan, instead of giving me the information I requested they put me in a deferment period and kept collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.

Company response to consumer: Closed with explanation