vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NY

Complaint narrative:
I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the Transunion and XXXX  and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.

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 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
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 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 2020-09-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-09-06 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 am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the XXXX  and Experian and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.

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 2020-09-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX notified me of a debt of {$990.00} and LVNV Funding LLC notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with XXXX XXXX XXXX and LVNV Funding LLC. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
We noticed a change in our Credit Score and found a LATE PAYMENT notation. We found it was from PennyMac the company that holds our Mortgage. We logged on to our account and found that the XXXX payment was not applied and had a notation that it was in " Suspense ''. Called to find out that we were short {$14.00} due to a change in the Escrow Account. I asked why they didn't contact us to let us know of this shortage as we could have made the payment to avoid this issue and they couldn't give me an answer, only that they followed the accepted business practices, Of course they kept our money for a whole month before applying the payment. Just think how much interest they must earn when this is a common practice for them. We were in the process of looking into refinancing this loan to a lower rate through the VA IRRL ( this loan is at 4.25 % and we were offered 2.75 % before this happened. We have asked them to withdraw this Late Payment from the Credit Bureau 's and they refused. We had also signed up for Covid Forebearance ( we haven't missed any payments but were paying Late Fees under the 30 day limit ). After his happened they did put the Loan in Forebearance and we do not have to pay the Late Fees ). After researching we found they have a poor rating with the XXXX   and I can understand why. We make all our other payments through our bank using e-bills so they are paid automatically every month. PennyMac does not offer e-bills like all the other Financial Institutions so we have it set up to be paid every month. Evidently we did not notice or see the statement where they had many a change in the payment amount. But the point being is they show very poor customer service in regards to a shortage of {$14.00}. The people who look at our Credit Report will think we missed an entire month 's payment when it was only {$14.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After a work related injury in XX/XX/XXXX, the medical provider billed my personal insurance for services in the amount of {$570.00}. I spent over one year trying to correct the mistake by providing my workers compensation information to the medical provider. My last contact with the medical provider was in XX/XX/XXXX at which time I was provided with a statement that the charges had been paid in full by my workers compensation insurance. 
Equifax still maintains this erroneous outstanding medical debt on my credit report. My efforts to file a dispute about this debt with Equifax have been met with messages that they can not verify my identity and/or record and therefore will not discuss my credit report. I have been unsuccessful in communicating with Equifax to delete this error and any other erroneous information they have on my credit report that prevents them from speaking with me. I have been unable to access my annual credit report from Equifax for years for these same reasons. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I have applied for an Apple Card which is offered by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch and been denied. My most recent application for this card was XX/XX/XXXX. The text of the denial stated " Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have recently been past due '' However, I have not been past due on any account since XX/XX/XXXX to XX/XX/XXXX. These delinquencies

are over four and a half years ago. I contacted
goldman sachs and was told the information came from Transunion. I pulled all my transunion reports and they don't show  any " recent past due '', XXXX  agrees they haven't seen anything negative on my report since XXXX and very early XXXX. I also pulled all my other credit reports which also show no delinquencies in the last 4-5 years, certainly nothing recent. 

I am reporting to the CFPB because I can not get anyone at Goldman Sach 's to take a closer look at this erroneous denial letter and allow me to be approved for the Apple Card. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The criminal organization better know as Bank of America once again trying to steal money from me. Due to COVID19 I received a credit from XXXX XXXX for {$1400.00}. My wife called Bank Of America Travel services to use the credit for another trip as XXXX XXXX said BOFA travel has to make the booking, to avoid extra fees from American. As usual with the incompetent crooks at Bank Of America, they tried to steal our money and delayed the call with all sorts of excuses. She was on the phone for over one hour ( see attached ) and then as their usual fraudulent practice they disconnect the call. ( see attached ). My wife had to call American and pay penalties and use the ticket for another trip. Once again Bank Of America playing games to steal money from consumers. 
Unfortunately probably as usual Bank Of America will not answer this complaint and lie and answer that they contacted the consumer directly, as their tipical fraudulent way of avoiding being caught in their fraud. The FBI or the State Comptroller has to investigate these fraudulent practices by Bank of America

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 2020-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX FOCUS FINANCIAL SERVIC AKA Palm Beach Credit Ad XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXXMD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NC

Complaint narrative:
I've disputed multiple times with Equifax/XXXX/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
EXPERIAN does not have a right to only accept explanations from only one side, and continuously re-reports false information after doing a one sided " investigation '' in these matters. It is discrimination and bias. 
Experian has refused to remove UNILATERAL reporting from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. 

Experian is repeatedly ignoring my consumer rights by only accepting XXXX side of any story from a collection agency. 

An investigation need to be launched on what appears to be collusion with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19. 

Experian must remove all credit reporting entries by XXXX XXXX XXXX from my credit report immediately.

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