vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 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:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), secti  on 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negativ  e information to the credit reporting agencies in connection with the aforementioned account  s may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1. ACCOUNT NAME   :  XXXX   XXXX   XXXX  #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2.  ACCOUNT NAME :  XXXX   XXXX   XXXX  #   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.   3. ACCOUNT NAME :  XXXX  #  XXXX   ACC BAL  {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.

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 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
this company popped on my credit report. i called the company and kept going straight to voicemail and no one ever answers. it states the account was opened on   XXXX   XXXX   XXXX     and I did not open an account on this date for this type of balance with anyone. this company have stolen my identity. after reviewing this company on websites, there are numerous people they have done this to trying to collect money and is a fraudulent account on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC
State: ID

Complaint narrative:
I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. <P/>I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but  Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. <P/>We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. <P/>At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. <P/>Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. <P/>Sincerely, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AK

Complaint narrative:
Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 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: MO

Complaint narrative:
I have attempted to get trans union to tell me how they verified this information over and over, but they just continue to send me form letters stating the public record is verified. I have reached out to the courts and they sent me a letter telling me that they do not verify information to the credit bureaus and they do not report information to the credit bureaus. I have also put a security freeze on my account w/   XXXX   XXXX  , so trans union could have not received the information from them. I want this information investigated and removed as this is a violation of the FCRA. I have attached both letters from the BK courts and from  XXXX   XXXX , I have also attached the last letter i sent to them, which took them 7 days to investigate from the time they signed for the letter, and I have attached the latest investigation results. Again, this is a violation of the 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
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC
State: MS

Complaint narrative:
I requested to validate the alleged debt on XXXX/XXXX/XXXX via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Revenue Assurance Professionals received the registered letter on XXXX/XXXX/XXXX. It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefore, Revenue Assurance is illegally reporting a invalid 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 2017-05-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items  that appear on my credit report as : 1. ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete. 2. ACCOUNT NAME : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, {$28.00} This account is a duplicate never showed proof of claim error please delete. 3. ACCOUNT NAME : XXXX # XXXX ACC BAL {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.

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 2017-05-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am trying to close this account with Barclay 's.   I had trouble with them before - it was resolved, but not with damage to my credit rating - at cfpb  Case Number   XXXX .   I 've paid off the account, as you 'll see from the attached documents, and want to close the account.   I 've been VERY clear by mail, by phone.   Attached you 'll find an email that I just got today - showing that the account is still open.   Also, a confusing letter ( dated   XXXX   XXXX   ) about my " disputed '' amount of {$1000.00}.   Also, my correspondence to them - dated   XXXX   XXXX   and then another dated   XXXX   XXXX   XXXX  - asking to close the account.   I have also tried to call and that has proved unfeasible. The first time, I was disconnected. The second time, I was being transferred and transferred.

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 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against IC SYSTEMS for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

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 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  /2017, 60 days  XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    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 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS

Complaint narrative:
I requested to validate the alleged debt on   XXXX     via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau   of Ft. Walton Beach re ceived the registered letter on  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.

Company response to consumer: Closed with explanation