vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT 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 2020-09-17 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: ID Analytics, Inc.
State: FL

Complaint narrative:
The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me. 
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c )  : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.

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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Trip : XXXX XXXX XXXX charity event XXXX XXXX, President XXXX Company with issue : XXXX - XXXX XXXX   XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX T : XXXX XXXX XXXX Other members XXXX XXXX XXXX referred by XXXX XXXX as the refund contact XXXX : XXXX XXXX XXXX XXXX Travel Consultant Phone XXXX XXXX XXXX Fax XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Expected Travel Dates : XX/XX/2020 to XX/XX/2020 Issue : Trip did not happen as planned and was delayed by the vendor in XX/XX/2020 when health, safety and travel bans were put in place due to the Covid-19 response. The trip was officially canceled with letter on XX/XX/2020 issued by XXXX XXXX. I along with my group were promised a full refund for airfare, hotel, tours and other incidentals by the XXXX XXXX XXXX XXXX owner and asked to wait months before he could file claims on our behalf. He then said he would issue 50 % refund in XXXX and once the associated businesses opened up issue us the remaining funds. Days later he took back those words and has now refused any association to returning our funds. In the latest contact with the owner, he said his staff would be back in the office on XX/XX/2020, but he was working from home. When I emailed, the auto reply is now back in the office XX/XX/XXXX and he is working from home. He no longer will answer emails knowing we discussed my waiting to XX/XX/XXXX to speak with his employee. Airlines and hotels are particularly open. Yet, he still refuses to assist. I believe he has no intention of reimbursing me. 

Prior to this, I consulted my bank ( Bank of America ) and filed 3 claims for the below payments : - For dispute amounts and claim # # 1 {$1300.00} : XXXX # 2 {$1200.00} : XXXX # 3 {$790.00} : XXXX Unfortunately, BoA will not assist me further in the dispute because the claim submission time falls after the 60-72 day timeframe for filing disputes. They refuse to consider the Covid-19 pandemic and have closed each of my 3 claims. I was also promised a letter informing me why in writing, but they two have not followed through and the letter was never received.

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 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could  cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with XXXX XXXX. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on XXXX XXXX without pay and could not afford it. Shortly after, about 4 months later, while still on XXXX XXXX I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called Jefferson Capital had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.

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 2020-09-17 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: IL

Complaint narrative:
I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: TX

Complaint narrative:
My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Bank name is shown but could also be found under : XXXX XXXX Credit Card I accessed XXXX XXXX XXXX website to make school uniform purchase for my child. As I checked out I was presented with option to apply for XXXX XXXX XXXX credit card and receive 50 % off today 's purchase. My purchase total was {$170.00}. Due to the sizable discount offered, I applied for the card. I was approved for {$4000.00} limit with {$650.00} available for immediate use. Screen prompted me to apply card to today 's purchase. I selected yes. Once I did, screen closed and new card was not applied to purchase. 

I had received email that account was opened and XXXX number to call for service. I called and they were unable to resolve, providing me either the card details or code to use for 50 % discount. I was told I could wait two weeks to receive card and then place order. This is shady and bait and switch. 

I requested the company remove the credit card hard inquiry and card itself from my credit report due to the tactics. I demanded a letter detailing both of these items be done and am not confident I will be receiving or that they will do as I requested. I fear they will only be closing the account. I spoke to three different people, each who i had to relay the situation to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1.  XXXX/XXXX  Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX  XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.

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