vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 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:
Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX  on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2018-05-16 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:
Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX  and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2018-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
Portfolio Recovery Associates, LLC, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on Portfolio Recovery Associates, LLC but maybe on XXXX XXXX. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XXXX XX/XX/XXXX. These loans were through my local bank and then XXXX XXXX bought the bank and took it over on the XX/XX/XXXX. I had moved my accounts from XXXX XXXX before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had XXXX XXXX do this in another county in our state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recover, LLC
State: GA

Complaint narrative:
On XX/XX/2014, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I purchase an vehicle from XXXX XXXX located in XXXX Va, My contract was for buy here pay. However I received a Welcome letter from XXXX XXXX on XX/XX/XXXX staying that they have brought my account from XXXX XXXX. I never signed any documents nor does it says in my contract that XXXX XXXX can sell this vehicle without my premission. I check my credit on XX/XX/XXXX. I see that I have a car loan financed from XXXX XXXX open on XX/XX/XXXX. I called this company several of times, I can not get any information they keep telling me to call XXXX XXXX. This company has lied to me and reported inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I have been disputing with Nissan regarding a late payment XX/XX/XXXX that wasnt late since I found out it was put on all 3 Credit Reports.

There was a computer glitch when I hit the submit button. But I did not know it didnt go through. Until they called me on XX/XX/XXXX. I am fully XXXX and I was just getting out of the hospital when they called me. I have never been late from XX/XX/XXXX to XX/XX/XXXX. I will be forwarding you some information that shows you. 
My monthly routine and I cant understand why they kept insisting that I was late. Instead of looking at my payment background. Knowing I never made a late payment. Please look into this matter because honestly I cant take fighting with them anymore. They put to my XXXX   on my XXXX. Im was to sick and have XXXX XXXX  XXXX to take any further action with Nissan anymore. 

Thank You and XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: TX

Complaint narrative:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from Trans-union, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a 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 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one {$560.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In the course of my student loan, I have been making payments and I feel that the payments haven't been added to the debt, the company stated that I am delinquent over 180 and my payments are auto pay. This has had a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I have disputed this outdated account listed on my credit file that is also unknown to me. I shouldn't owe any medical debt. I haven't received anything validating this. It shows on my credit file first reported in XX/XX/2012 after looking through all my records this is unknown Please help

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 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:
XXXX XXXX Acct. # XXXX Repeated requests to creditor XXXX XXXX to Validate their Debt have been ignored by said creditor and TransUnion. 

XXXX XXXX can not validate the debt as it belongs to another party with a similar name. 

In late XX/XX/2017I learned that a family member 's credit file and my own had been " Mixed. '' TransUnion did " Split '' the credit files but this account belonging to said family member remains in my credit file with TransUnion. 

This invalidated debt should be removed from my TransUnion Credit File immediately according to the Fair Credit Reporting Act. TransUnion has investiagted, and reinvestigated several times, my repeated requests for ValidatioXXXX of the Debt. TransUnion is or should be aware that the debt is in another parties name and does not belong to me but they refuse to delete their inaccurate reporting. 

I did not open an account with XXXX XXXX, nor did I benefit from goods or services provided by 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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I believe that this company violated HIPPA because they discussed this account and my medical history with relatives. I dont think this is something that they are allowed to do. I am asking that they withdraw this account and send it back to the original medical provider. I am appalled that they shared any information about my account or medical history to anyone they get on the phone. 
I do not wish to deal with them and I will get an attorney involved if I have too. 

I would like for them to put in a request for them to remove this account from my personal credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( CCS ), as reported to the credit reporting agency that I have a debt with XXXX XXXX. CCS has not provided any documentation to support their credit action. I have had no written communication from CCS that verify a debt owed, and in fact we have written evidence that no debt is owed. CCS has reported to XXXX without cause. I have no evidence of any debt with my current personal insurance company. 

I am a current insured of XXXX. I have contacted XXXX 's agent XXXX XXXX of XXXX XXXX XXXX in XXXX CA ( see attached ) to research any outstanding debt that I may have. She returned that based on her research of all policies I have had with XXXX that I have no debt. 

I provided the email to XXXX. XXXX returns with a simple reply that the debt has been verified. However, no one have provided any proof that I owe anything. And, I have a written statement from a XXXX Agent that I don't owe them anything. 

The lack of evidence by CCS and the unwillingness of XXXX  to insist that CCS provide documents to prove a debt infers fraud. We would like this absence of transparency to be handled by your firm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX my XXXXXXXX XXXX XXXX were not working do to repair work XXXX had to complete and they informed me it would be completed until sometime towards the middle of XX/XX/XXXX. I asked for credit as I had no service and they informed me credit would be applied once repair was completed so they would know total credit. Since I could not wait a month for service I switched to XXXX XXXX. In XX/XX/XXXX I received a bill from XXXX and I called them and they said there was nothing do credit was applied to my account. I have not received anything from them until this month when I received a collection notice from XXXX, XXXX XXXX XXXX for XXXX. They basically told me it was my word against XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
I have attempted to apply for a loan modification with Bayview Loan Servicing LLC who had taken over my mortgage from XXXX XXXX and have submitted all of the paperwork as requested by them on XX/XX/XXXX of this year. When my loan counselor with XXXX XXXX XXXX XXXX XXXX and I called the following week to make sure that they had received the papers, they said that I needed to submit a letter from my Bankruptcy attorney stating that he no longer represented me, before they would even speak with me. I asked them why they had not told me this the week before to save time as the Sheriff 's sale is scheduled for XX/XX/XXXX of this year. They could not answer the question on this. I got the letter from my Bankruptcy attorney and emailed and faxed it along with a letter from me stating the same thing on XX/XX/XXXX of this year. When my loan counselor and I called back on Monday XX/XX/XXXX they said that they could not give us any information on the status of my loan modification application until all of the paperwork had been sent to the Legal Department for review. Consuming more precious time. I have lived in my house for the past 18 years with my daughter who is XXXX and do not want to be put out on the street now. All I am asking for is to have the opportunity to stay in my house with a loan modification from Bayview Loan Servicing LLC. which they have made extremely difficult and too time consuming in the amount of time left before the sheriff 's sale scheduled for XX/XX/XXXX. If not, I at least need time to find a place to live before then. I feel that Bayview Loan Servicing LLC is deliberately stalling the procedure in order to put us out. I am also emailing more documents on this to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had couple transactions that I disputed due to the merchants error and funds being debited out without the merchandise being delivered to me. I've tried to contact the merchants for the first couple months in attempts to resolve the problems myself, however, which did not work out. Thus I disputed the charges that were wrongly debited out of my card. I was told that I was well within my rights to dispute the charges in order to recover the funds. Surprisingly, today I am told that the disputes fell out of the time-frame as I disputed the charges " too late ''. I'm frustrated as I was told that I could dispute the charges within 6 months after the charge is posted. I spoke to claim department agent to get some help but the agent couldn't help either. I've sent a couple faxes but no responds. I can not afford to lose the claims as the charges are more than {$900.00}. The dispute claim numbers are # XXXX, # XXXX, # XXXX. Please reconsider the claims and help me out. 

# XXXX - {$950.00} # XXXX - {$920.00} # XXXX - {$1100.00}

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