vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX 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 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis has inaccurate information on my Public Record. I was a victim of a hit a run and they have it listed as " at Fault '' I have asked them to make the correction but they refuse to do so causing increased insurance rates. When I call them they give me pat responses and say they are reporting correctly and they will mail a report. I have been waiting 3 months and have not received a report. Here is a copy from XXXX Date XXXX XXXX XXXX XX/XX/2016 at fault accident 4 CLUE only XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX SS XXXX Florida DL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
A Fake XXXX XXXX XXXX account was opened using my name and social. I attempted to resolve this problem with XXXX XXXX XXXX directly but they refused to remove the claim even though it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.

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 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
The XXXX was on contract with my insurance to provide maintenance at no charge to me and only accept what the hmo paid. I had a XXXX XXXX problem ( my XXXX  were painfully loose and leaning every morning ) they submitted as a routine XXXX clean instead of medical. My insurance sent me a letter explaining I am not responsible for their error and I owed nothing. I then received a collection letter and responded immediately. I faxed the insurance verification that I owe no money. XXXX XXXX thanked me for the fax and said they would take care of it. The next morning, the collection was on my credit report They didn't even wait the 30 days the collection letter allowed to resolve the matter. Suddenly a collection was on my account. I received a letter last week from choice recovery verifying I saw the dentist. That was not the issue. The issue was the responsive party for payment. I called and they ignored my call. I can't ignore this because I started applying for a usrda loan 2 days before this occurred. I have documents to upload to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Overnight a credit was reversed on my account. The purchase was reported as fraud and they also submitted a dispute. The purchase was made on XX/XX/XXXX but some of them claim it was made on XX/XX/XXXX, regardless they issued me a credit to my account and a month later,,,,, reversed it back and left my checking account negative XXXX when they took XXXX. I emailed XXXX and submitted proof from the post office and from XXXX via email that they both : 1. Understand that I never received a package and verified this via email. 
2.They knew where it was and it was on the XXXX XXXX XXXX XXXX XXXX CA and never went back out. 
3. The post office signed me up for informed delivery so I could have proof in court and they would not be liable. 
I will attach proof of the verification and I want the bank to stop pulling credits they issued to me because they had to be approved in order to be issued to me and someone is trying to steal money from me knowing I submitted proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: United Resource Systems, Inc
State: CA

Complaint narrative:
XXXX has taken the debt companies explanation of terms and conditions of a XXXX  office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX  review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have attempted to close my PayPal account via online help, telephonic customer service and email. PayPal insists, before they will close my account, that I first provide more personal information that I am comfortable providing. Additional information requested includes photo ID ( e.g., Drivers License ), billing statements, proof of address, and allowance to make small charges on my associated credit cards. As this is personal information that was not required to open the account, I do not wish to be held hostage for such information to close the account. They suggest I leave the account open, but I am concerned that leaving such an account open that I no longer wish to use subjects me to undue exposure to fraudulent use of the account. Additionally, I am uncomfortable providing a third party with information that can further expose my personal information ( e.g., Drivers License number ) to hacking and fraudulent access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX  failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX  - XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
Debt was the result of identity theft. I already attempted to resolve this with the company directly but they refused to remove the amount from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their  money back by sending me a payoff demand minus their unlawful origination fee. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit  report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX 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 2018-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This account was paid in full on XX/XX/18 for XXXX check number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have had THE most worst problem trying have the loan people help figure out how to work out something REASONABLE for my situation and in the meantime the interest rates have way, way more than quadrupled my original student loan and also in the meantime i had medical issues that prevented me from being able to work for quite some time and had to move as well. These issues were overwhelming enough without the student loan matter. I just felt I was going around in circles with the {$5.00} over a 6 or 9 month period of time where the interest, as you already know, was still compounding ... ... Please, please is there anything or anyone that can help me???? I have been so afraid to even open my mail when I see who it is from and I do know that does not help matters one single bit. I am just so miserably, miserably scared and overwhelmed with this!!! This has been weighing so so heavily on my shoulders since 2010. AND on top of it, i didn't know that there were not only one BUT two lenders  involved in this : NELNET and XXXX XXXX. I am not stupid but in my opinion, i feel the way the whole student loan process is worked is just a bit shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
The company claims I owe {$490.00} for XXXX but this is not my account and I dont know how it got on my credit because the social security numbers dont match. My social and the social for this debt is totally different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I am not sure if I am directing my question to the correct party, I entered into a loan agreement in XX/XX/XXXX. I missed a few payments at different times which had my account in a past due account however I made monthly payments. in XXXX my car was repossed 2 times, once in XX/XX/XXXX when I asked if I could make the payment on a Friday .. my  car was picked up at XXXX XXXX  and the payment was made at XXXX which included a bunch of extra fees, on XX/XX/XXXX at XXXX XXXX  my car was repossed again. I spoke with Snatander on XX/XX/XXXX, and XX/XX/XXXX and letthem know of my inmtention to pay on XX/XX/XXXX, my pay schedule and was told my car was going to be picked up. my account has XXXX in late fees which are charged at XXXX dollars a day, my car was in the shop twice in XXXX for major repairs ( replacement of the transmission which caused the car to stop in the middle of the street ) which I needed to rent a car for about 2 weeks that cost about 300.00- thus causing the payment to be behind a month- which was XXXX per month on top of XXXX dollars a day. In XXXX my car was in the shop for at least 30 days, because the drive shaft needed to be replaced I spent over 600 dollars renting a car for a month while XXXX worth of repairs were done. I asked Santander on more than one occasion if the late fees can be on hold while repairs were done or if they could push a payment to the end of the loan. I was told they could do nothing in regards to the late payments and they would continue to add up and they only push one payment back during the 72 month loan term which when on my credit report appears as 83 months. I have paid over 20,000 on the loan, the principal balance was XXXX and I am being told I my estiamted payoff as of XX/XX/XXXX was XXXX. I am not sure if any assistance can be provided or if I am even contacting the correct party. If there is a class action suit against them, I would like to be a part of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Damaging credit without fdcpa compliant notification. No contact ever with this outfit only credit score damage continuing month monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.

Company response to consumer: Closed with explanation