vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX  XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX -Inquiry XX/XX/XXXX ( not authrozied TO BE REMOVED FROM EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. 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 2017-08-09 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: OH

Complaint narrative:
I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.

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 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for 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 2017-08-09 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 sent this company a letter dated XXXX XXXX, 2017, to dispute inaccurate information from my credit report. Unfortunately, based on my new credit report and their response no proper action, the investigation took place. I am writing them and another letter which is attached to this complaint. In accordance with the new law, consumer assistance program, the items listed in my dispute letter are unverifiable. There has no citation of my FULL SOCIAL nor my DATE OF BIRTH. And despite this, this company did not remove these inaccurate, invalid items ; no lawful investigation took place violating the Fair Credit Reporting Act.

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 2017-08-09 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:
In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-08-09 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: NV

Complaint narrative:
When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My wife paid off a debt in XX/XX/XXXX to Synchrony bank regarding a care credit card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both Synchrony and by XXXX. At that time ( XXXX XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XXXX XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from Synchrony Bank in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called Synchrony and got nowhere. ( I have also filed a complaint with your office against Synchrony and their tactics ). Finally I was referred to a XXXX attorney XXXX XXXX XXXX, Synchrony advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from XXXX XXXX XXXX prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.

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 2017-08-09 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: MD

Complaint narrative:
For nearing a year of attempting to access and dispute my credit file, I have been denied. Denied access to view, get a copy of, access, dispute and maintain my credit file. In the process of amicable resolution, on my part, I have endured, discrimination, ignorance, immaturity and attacking threatening behavior.
Moreover, I have disputed account information as inaccurate and Transunion has come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please explain how validity or verification can be conducted?
The FCRA requires CRA 's to verify the validity of the item within 30 days. If the validity can not be verified, CRA 's are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Transunion to remove this item before I am forced to take legal action.
I am disgusted by the level of professionalism I have been shown.

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 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds
State: TX

Complaint narrative:
Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.

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 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NH

Complaint narrative:
Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hard Inquiry shown on my Equifax credit-report : " XXXX Inquiry from XXXX XXXX, 2017 '' reports " No contact information has been reported by this creditor ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.

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