vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I received a letter from Medicredit saying : This is inform you that XXXX   XXXX XXXX has placed your account with this agency with the full intention of collecting this account ... 

I'm calling that company and they're not responding. I can't access the account on your website.

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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
I rescind from my refinance and waiting for the full refund check ( {$1900.00} ) for my payment. It's been more than a month after I rescind and still not getting the refund. I tried to contact the mortgage company multiple times and most of times they don't respond. Their last response was they are collecting informations for my refund and this response was identical to the response I got three weeks ago. The officer never pickup the call or respond to email further so I'm filing the complaint to expedite my refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Nelnet, Inc.
State: MA

Complaint narrative:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NY

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

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 2020-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX, account number XXXX. Credit report XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 2020-09-22 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: TX

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 explanation
Consumer complaint received 2020-09-22 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: TX

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 explanation
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-22 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: LA

Complaint narrative:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I had a Lease with Toyota Motor Account # XXXX Opened in XX/XX/2017 for the duration of the lease I made my payments on time. I reached out to Toyota to request what the status of the account is due to the bureaus reporting Collection/Chargeoff. They responded saying I was not ever late on this account ( see attached ) No mention of any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company keeps calling even when I have ask several times to stop calling. calling different times in the day multiple times a day. There response is that they will keep calling me and they don't care what I do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
My wife and I bought a number of Western Union Money Orders at several different retailers including XXXX XXXX and XXXX in XXXX XXXX, SC between XX/XX/XXXX and XX/XX/XXXX. We paid for them with our debit cards. We received the money orders and receipts for payment. We deposited them via mobile deposit into two separate bank accounts. Several days later they started getting returned with the message stop payment or altered/fictious. Western Union told us that the store had put a stop payment on the money order. When we called the store they said they did not, and didnt think they had the ability to do that. 
While weve had over 40 money orders returned unpaid, here is a very specific example : On XX/XX/XXXX, we purchased {$2900.00} of money orders from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SC. We were given five {$500.00} money orders and a {$490.00} money order. The {$490.00} money order was deposited online and then returned by the bank. We called Western Union and provided the money order number and amount. They told us that {$490.00} was the incorrect amount. We asked if it was {$500.00} and they said yes. We told them we were looking at the money order and it clearly was for {$490.00}. They said we needed to go back to the store to get it straightened out. We spoke to XXXX, a customer service manager, and XXXX, the regional manager at XXXX XXXX in XXXX XXXX. XXXX ran the Western Union report and all of the money orders and amounts lined up correctly. Weve contacted Western Union call center customer service multiple times. All theyve been able to tell us is go back to the store and we cant help you, go back to the store. 
I believe that a technical glitch, possibly with the Western Union positive pay file to their bank, is causing this issue. I need to speak to someone who can get to the bottom of this issue. Customer Service at Western Union is not equipped to handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I disputed a claim with XXXX store for {$320.00} When they told me my card didnt work and a friend paid with his. Upon this occurring I had submitted a dispute for I was doubly charged for the merchandise. Chase representatives instructed me that I needed to submit proof of a receipt. One of the official chase claims specialists directly told me I could submit the proof via my secure message center via chase secure banking app. I cooperated and did so. Later finding out it was  actually not a viable method of delivery for such documents. Wether right or wrong I was instructed by an employee of chase this was alright keep in mind. After doing so I eventually noticed my funds were withdrew again from my account after being issued the provisional credit so I called to see what happened once again. They said I never submitted the proof. So I also mailed it in an envelope via usps. They  say they never received it. I told them that in a court of law theyd subpoena the files with the photos of the receipt. A chase executive assured me he would find them and get it taken care of. Today I get a call weeks later now three months since the original purchase and they tell me I didnt provide them proof and theyre refusing to locate the file from their database. Chase is directly violating my rights slandering my name by closing my account and putting it negative. Keeping me from making wages by holding my money and directly withholding me from seeing doctors and receiving medications I need to survive. I  want whats mine end of story they need to make right or a lawyer needs to reach out to me to represent me and take them down. Theyre 100 % in the wrong here. Ever calls recorded. They acknowledged and opened my claim based off the message I sent them with the attached photos of receipt. The pictures will be here for you to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MI

Complaint narrative:
I have an identity theft protection lock on my account, due to finding my SSN on the dark web. Please remove said inquiries that do not belong to me. 

XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XX/XX/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 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I successfully paid off my loan with TD Auto Finance and they have not reported the account as paid in full but rather have reported the account closed. This has a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute Fair Collections & Outsource Balance {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on 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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on 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 2020-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Beginning XX/XX/XXXX I sent in a debt validation letter to the collection agency and the original creditor. Debt wasn't verified and was supposed to have been deleted from my credit report. Collection came back as verified. Sent a method of verification letter to both the collection agency and original creditor. Information was not submitted in a timely manner. Collection agency deleted from my credit report but not original creditor. On XX/XX/XXXX sent out another round of dispute letters and it's still coming back as verified. No method of verification of debt has been received as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
UNAUTHORIZE INQUIRIES THAT DOES 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 explanation