vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB : XX/XX/XXXX 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. 

I demand the following accounts be verified or removed immediately.

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 2019-12-13 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: GA

Complaint narrative:
Im disputing the following items : XXXX XXXX XXXX., XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company simply calling themselves " Midland '' said they are calling on behalf of XXXX XXXX to collect a debt. 

I received a voicemail from XXXX from XXXX XXXX that stated : " This message is for a XXXX XXXX, this is XXXX XXXX I'm a compliance officer with the state of Texas. I'm contacting you in regards to your pending claim that is being filed right now, I have to make you are that your file number XXXX is completed and it will become a matter of public record, there will be an order of vocation issued for you. I wasn't able to reach you by phone and I will have to contact your employeras it looks like this could be a possible place of location and due to the negligence on your own regarding this case Mr. XXXX. You to have the legal right to contact the office that is processing your claim and once your claim is officially filed all other options will be forfeited, the number to contact them is XXXX, you are being notified by telephone as a last resort. '' I contacted the number she left and it was a company called Midland. The person leaving the voicemail kept their description extremely vague as to avoid being tracked down I assume, I've left both phone numbers involved as well as attached the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im disputing the following inquiries : XXXX XXXX, XXXX XXXX  XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX 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. 

I demand the following accounts be verified or removed immediately.

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 2019-12-13 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB :  XX/XX/XXXX 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.

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
This complaint is about LoanCare loan servicing. The mortgage holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The mortgage servicing changed from XXXX to to XXXX to LoanCare. LoanCare, wont discuss the mortgage with me to make payments. I have made all payments as required on time. When I make bill pay payments, they apply extra money to the following month 's payment, and not towards principal balance reduction ; therefore, charging more interest on the mortgage. I am required to call in to make a payment in order to make a principal reduction, and when I call in to make a payment with principal reduction, they want to charge a {$15.00} service fee to make a phone payment when the payment is not late. I have no other way to make principal reduction payments without being charged to make the payment. This is unethical servicing, and billing practices.

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 2019-12-13 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: PlusFour, Inc
State: CA

Complaint narrative:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and XXXX  credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

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 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The company Bank of America offered me to apply for a new modification program in XX/XX/2012. Which I will receive significant principal reduction and would reduce my monthly payment up to 35 per cent. When I accepted the offer I didn't hear back from Bank of America. However, doing my inquiry about the reduction, I was told it would show up at the end of the loan. When I requested paperwork to show these modification 's. The bank is now saying the modification 's isn't there. I said that l don't understand. Now Bank of America is stating it's to late for the modification. I feel that I have been taken advantage of and wasn't ensure fair treatment. Now all I'm getting is the run-around, costly surprises from by servicers. Bank of America should have told me about my options and given me time to apply and be still considered for loan modifications under the same guidelines and better alternatives. Immediately.

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 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK
State: NJ

Complaint narrative:
The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened Bank of the West ( BOTW ) checking Account in XX/XX/2019 because they had a promotion of {$250.00} in which they promised that if the customer deposits {$250.00} every first week of the month then in the month of XX/XX/2019 BOTW will provide a gift money of {$250.00}. First of all I completed all the requirements by BOTW. I did not receive the welcome bonus and on the top of that they also deducted {$10.00} from the account in XX/XX/2019. I called customer service but they were of no help. I would request the CFPB to please take required action and take a strict action against this bank. This is a fraud bank which shouldn't be functioning in America and should be immediately closed.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
After months of intense disputing with the credit bureaus, XXXX XXXX, and The Bureaus directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from the Bureaus!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
I have consistently for several years been stating to Experian that they are reporting a credit card account XXXX XXXX on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account,  someone please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a Costco CitiBank Visa and encountered a problem with a spa vendor due to a business matter within the company. I purchased XXXX XXXX XXXX for a XXXX treatment on XXXX XXXX.  At the conclusion of that treatment, I opted to purchase a package of ten for XXXX (XXXX) per session. Ten sessions were deemed to be cost effective and offer maximum results, as a la carte sessions were XXXXI had one follow-up visit on XXXX XXXX, wherein I had a massage and a XXXX   treatment.  The subsequent appointment scheduled for XXXX XXXX was cancelled due to the dissolution of the business relationship with the therapist.On XX/XX/2019 I filed a dispute, as I paid for ten sessions in good faith that this merchant could no longer provide due to the dissolution of relationship with the XXXX. Citibank reversed the charge and credited my account XXXX.On XXXX XXXX, Citibank furnished a subsequent response by the vendor that was dismissive and accused me of “scamming” , despite support documentation acknowledging I did not receive full package. Citibank returned the charge to of XXXX my account.I was encouraged to reply to the XXXX XXXX letter and did so on XXXX XXXX.On XXXX XXXX, Citibank sent a response to my letter stating they would work with the merchant bank to obtain a permanent credit and would advise me of any reason the credit would not be reversed. Citibank reversed the charge again and credited my account XXXX.  Finally, on XXXX XXXX, Citibank informs me that the merchant will not honor the request based on information that I have provided. Citibank returned the charge to of XXXX my account this week.  I do not know the other company/merchant bank involved and am unable to name them here.However, it appears that Citibank has handled the matter poorly. Citibank has reversed charges four times (with adverse credit score impact) and has not given me adequate consumer protection, sound basis for their decision or an equitable outcome given the facts.

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 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I submitted a dispute and a request to VALIDATE a debt with regards to 2 charges on my credit report from a dept collector named ARS XXXX account resolution services XXXX. Amounts showing {$940.00} and {$630.00}. Being that I have absolutely no knowledge of these supposed debts, I sent a certified letter directly to the debt collector, ARS requesting that the debts be VALIDATED not verified. A copy of that letter outlining what information I was seeking to validate the debts per my legal rights under the FDCPA, is attached, along with a copy of the signed return receipt from the post office. 
When ARS responded they DID NOT validate the debts or provide any of the information I requested and is my legal right to obtain to prove the debt is indeed valid and that I have any legal obligation to pay them. A copy of the response letters from ARS is also enclosed. I have never received any certified correspondence from ARS regarding these supposed debts and only learned of them by checking my credit reports. As I am trying to build my credit, I disputed these debts with ARS and I still dispute these debts. 
ARS failed to respond to my request for debt validation and is violating the FDCPA by trying to collect these debts. This is evidenced by their response to my request for validation, as they sent me a letter/bill and are continuing to report negative information to the credit bureaus, when these debts have not been validated. I am therefor requesting to file a complaint against this company.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Recieved 30day notice dated XX/XX/XXXX from Calvary Portfolio XXXX debt buyer ) regarding a XXXX account. Replied on XX/XX/XXXX with a Validation of Debt request per 15 USC 1692g Sec. 809 XXXX b ) of the FDCPA statute. Did not reply in 30days or at all as required by the statute for them to continue collection efforts including but not limited to reporting to Credit Bureau 's. Notified them in writting of Non Compliance and it no longer being a pursuable debt on XX/XX/XXXX. Written and reported collection efforts continued so further notice was made on XX/XX/XXXX and a FINAL notice that action was being taken on XX/XX/XXXX. Notified Credit Bureau XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX but the debt buyer Calvary Portfolio still has not been removed from my report, only marked as disputed. 

I have followed all requirements and statutes per this acct and their actions with no results and am now feeling harassed since they do not and have not responded to myself directly regarding my dispute and or validation, NOT verification, request.

Company response to consumer: Closed with explanation