vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05 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: IL

Complaint narrative:
I filed a dispute with TransUnion regarding an invalid item on my husband 's credit report. The same day, I filed a complaint with the CFPB regarding the debt collector. TransUnion took well over 30 days to respond. Attached is the letter I received, with the post-marked envelope it was sent in. I filed both the dispute and complaint on XXXX XXXX, XXXX. TransUnion came with an XXXX XXXX postmark. 

TransUnion also concluded that the debt being reported was correct and would remain on my husband 's report. 

Meantime, we received a letter from the debt collector in reponse to the CFPB complaint stating the opposite ( also attached ).

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 2017-11-05 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: CA

Complaint narrative:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX 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 2017-11-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA

Complaint narrative:
XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: IN

Complaint narrative:
they have not yet deleted the fraudulent accounts on my account even after the creditors verified that they dont belong to me and too remove them.

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 2017-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX. We were offered and accepted 5 year financing with ZERO 5 % interest for the first 12 months and than 4.99 % for 48 months. First payment was dueXX/XX/XXXX. We made payments ranging from {$400.00} to {$1000.00} for 10 months and then sent in the balance due for the 11th month payment. The payment were sent to a XX/XX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. After sending in the balance due in month XXXX, which was XXXX XXXX, we received a statement from said XX/XX/XXXX claiming we owed {$39.00} which was called " late charge assessment ''. My guess is they are not happy we paid off the loan in the interst free time period and assessed the " fee '' and the loan stated there was NO penalty for prepayment of loan prior to term. I have attached the page showing this clause.

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 2017-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, my name is XXXX. I have had a credit card with Capital One ( XXXX XXXX XXXX ), which I have had for 11 years now at that point in time they charged me a {$19.00} annual fee. Now if someone applies for that same exact credit card a new applicant does not have any annual fee. Is this against the law for them to do that? They should not be able to charge me a fee and not someone else. I would have thought that is discriminatory. 

My credit is excellent. I do n't miss payments. Most of the time I pay the balance off in its entirety weeks before the due date. If there is nothing I can do I will have to stop using there cards then because they never give me credit limit increases or lower my APR. They will not work with me at all. I guess I will have to stick with my XXXX XXXX or XXXX. 

I believe they should n't be able to charge someone a fee that they do not charge someone else. Even if they do stop charging me a fee, they should not be able to continue charging someone else just because they do n't realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I filed a complaint with CFPB on XXXX, XXXX, linked to fraudulent practices by Bayview Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enclosed are copies of correspondence with Bayview informing me they would research my issues and respond by XXXX XXXX, XXXX. I received a certified letter dated XXXX XXXX, XXXX form the XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This firm represents Bayview Loan Servicing .The letter informed us our home will be auctioned off on XXXX XXXX, XXXX. Also, I have enclosed a copy of the XXXX XXXX, XXXX newspaper publishing the sale. Therefore, apparently Bayview Loan Servicing and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has chosen to ignore the CFPB. Likewise, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has sent copies of this notice to our Town Hall and to two creditors from 7 years ago. I believe XXXX, XXXX XXXX XXXX XXXX XXXX and Bayview loan are now inflicting additional distress to myself and husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: CA

Complaint narrative:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!

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 2017-11-05 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: CA

Complaint narrative:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the XXXX XXXX tradeline on my credit files with XXXX, XXXX and Experian as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. Experian reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new XXXX status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in XXXX - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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