vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: FL

Complaint narrative:
I just sent a letter to XXXX  ( their address is on their website. ) I couldn't even get into my Experian OR XXXX  because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the XXXX  credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my Experian and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, 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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hello On XX/XX/2020 I received a letter from this company claiming I owed them money. I sent them a certified letter ( XXXX ) on XX/XX/2020 as FCRA states is my right and they must comply with if exercised. Requesting important information to validate there claim. On that request i asked them to sending me copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent. Also requested them to provide me there license numbers and documents as this companies registered agents. On XX/XX/2020 they sent me a statement with there letter head showing what i allegedly owed, the name of the company that they represent, and some insurance policy # info starting and ending date and cancel date. They did not send copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. Again on XX/XX/2020 I sent a certified letter ( XXXX ) Letting them know i had received there letter but they failed to provide copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. On XX/XX/2020 They sent me a letter with an attached Final Bill from the company they alleged to represent. Basically ignoring my FCRA rights to demand proper documentation prior to proceeding. This is clear non willful compliance to the FCRA laws. This is why I am filing a complaint. I have all documents saved if you need them to for evidence. Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MI

Complaint narrative:
I applied for private student loans in XX/XX/XXXX with my parents as cosigners. My parents were denied, but the loan was approved for me at a higher interest rate than I had applied for with an additional 9 % origination fee. I signed the money over directly for tuition.

After graduating, I worked with a financial management company to help organize my bills and make sure everything got paid. Iowa Student Loan refused to tell me how much I needed to pay to be caught up and how much my payments would be once I was caught up. At that time, in XX/XX/XXXX, I legally contested the debt. Iowa Student Loan did not respond.

In XX/XX/XXXX, more than 13 years after having legally contested the debt, I was sued. My attorney has spoken with Iowa Student Loan people multiple times. I am XXXX and my federal student loans were discharged due to XXXX XXXX   XXXX XXXX. My attorney was told that Iowa Student Loan would discharge the debt because of XXXX. I provided proof of XXXX as well as proof that my federal loans had been discharged. In XXXX, I received an order to expedite, claiming that I had not responded to the original complaint. They have agreed to dismiss with my attorney, but they are still pursuing directly with 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
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX-XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$1200.00} This account is Unverified Account, doesnt have creditors name or contact information this is inaccurate reporting and must be removed from my credit immediately. 




XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH 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 2020-02-26 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: NV

Complaint narrative:
I notice an ample amount of accounts that are showing on my report that I never opened. I am upset that the creit bureaus allowed this to happen

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This company has been bringing down my credit score making it difficult for me to live my life an handle certain issues relating to financial situations. This loan they are attacking me for was a result of identity theft or something of the sort due to me never opening this account or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
The mortgage company is showing that I paid my mortgage late though I spoke with their agent who advised nothing would be reported to my file as long as I paid as agreed. The company states they did but have never provided the recording to qualify this statement. Im being penalized as a consumer and this is unjust and unfair. Upon discovering the discrepancy and incompetence of said agent I immediately remedied the issue. Please remove this from my file as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. 

PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NV

Complaint narrative:
I notice an ample amount of accounts that are showing on my report that I never opened. I am upset that the creit bureaus allowed this to happen

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Company failed to validate or verify within 30 days of dispute. Original dispute XX/XX/XXXX. They didnt respond until XX/XX/XXXX during a second dispute. Never received any written communication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry SPV 1 LLC Assignee of XXXX XXXX sent a Constable to my home which is my spouses place of work. They didnt notify me 30 days prior that they were suing me. According to their records my last payment to XXXX XXXX XXXX ( the original creditor ) was XX/XX/XXXX. This debt is time barred and they have filed a court date for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I took out two ( 2 ) loans with Synchrony Bank for a musical instrument for my daughter. I set up the two accounts in my XXXX XXXX XXXX online bill pay. I set up the account online after authorization and was total the both accounts required payment in late XXXX ( I believe XX/XX/XXXX ) so I set both accounts to make payment on XX/XX/2019 ( Loan # 1 - $ XXXX/mo and Loan # 2 -  $ XXXX/mo ). 

For each account, payments where made in XXXX. I started receiving calls in late XXXX. I sent two payment in XXXX and the calls continued. I travel extensively and thought the payments are going so not sure what occurred. I get marketing materials via email ... .my payments continued. 

Finally, I look at my snail mail and see - You are delinquent. My fiance calls to understand what is going on and Synchronicity Bank says, " You have to have your fiance on the call since the loan is in his name ... '' but the loan is in her name as well. They refuse to discuss the issue with her. 

Finally, I call with her and here is the story line - for the {$180.00} cent loan, you owe {$270.00} to put the loan back to good standing. Ok, I disagree, but I don't want to argue over this amount. I asked, can you fix the credit reporting. They said that I was delinquent. I explained that I made payments ... and you guys were the ones who started this off wrong to begin with ... do you see that I am making payments. 

Then the focus turns to the $ XXXX/mo load. You owe $ XXXX+ dollars. For what? Fees. Why is the other loan not taxed with fees. Its the same loan with higher principle. Right. Yes, but your payment of $ XXXX/mo is less. Its less because the principle on that loan is less. Correct? Yes, but you are delinquent. First, I am no more delinquent than on the larger loan. Second, that makes no sense what so ever. Please explain. There was no explanation, just pay the fees. Finally, I asked what is the full payment of the loan and I sent that amount in. 

The failure was that at no time could anyone explain what occurred or how the fees were different. Or more importantly, why there were tagging my credit. 

I am absolutely positive this is a practice by Synchrony Bank that others are experiencing.

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 monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have had an issue with my mortgage company. I got a notification of a large increase in monthly payments and so I called more than a half dozen times to get an explanation for the increase. I could not get any answer nor even someone to talk to me. At last, after many many tries, I did talk to someone who I asked for a detailed account for the increase. She did not have any specifics but did say that the company policy was to ask for two additional monthly payments. I did not sign any agreement calling for extra payments in advance, although I do realize that my original mortgage company has sold my loan to another company. I need a detailed explanation for the rate increase and I want to say that I should not be subject to the two additional months of advance payments since I never agreed to such a practice.The statement date was XX/XX/2020 and showed that the payments would change from XXXX to XXXX ( and increase of XXXX. The statement also showed an escrow deficit of 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 2020-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT

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 2020-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT

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 2020-02-26 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: HireRight Solutions, Inc.
State: SD

Complaint narrative:
XXXX XXXX reported on HireRight that I had a " Backing  '', " accident/incident '', that was " preventable '', in XXXX NC, on XX/XX/2019. 
This is a lie. 
1 ) The only thing that was preventable was ; XXXX sent me there. They didn't have to. The facility itself admitted that insurance fraud is a bad problem there. 
2 ) There was no backing  incident. 
3 ) This was attempted insurance fraud. Period. 
4 ) XXXX 's dash cam shows the driver wasn't even there when I showed up. No truck was backed up to that trailer when I showed up to back in. He showed up when I was mostly backed in. ... The guy shot his mouth off to the cops about him being there the whole time. Backed up to his trailer. Honking his horn. Yelling at me. It's all a lie and XXXX 's dash cam proves it. 
5 ) I have already provided plenty of pictures of both his trailer and mine. No way my trailer  could have caused the damage he had on the side of his trailer. And existing damage does not match up. XXXX knows this. They have the pictures. Also there is no way the flat side of a trailer door could have done the damage he had on his trailer period. 
6 ) This is nothing but libel. Safety Department trying to get back at me. I was requested to issue a letter after I quit. I told them that XXXX is a XXXX XXXX. He refused to give me the dash cam video from a wrongful ticket. I had to prove my innocence with that judge. He wouldn't give in otherwise. That's why I quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation