vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-23 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have been requesting information from Seterus Incorporated since XX/XX/XXXX and Seterus Incorporated has never answered the questions. The following is one of many questions not answered. Please keep in mind a response differs from an explanation and under RESPA ( Title:12 Chapter:27 Section:2605 ) I am do an explanation. 

Paragraph two, Section three of the mortgage signed on XX/XX/XXXX states : Lender may, at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. 

The phrase a LENDER SHALL defines an obligation. The phrase estimate the Funds due based on current data and reasonable estimates of expenditures of future Escrow Items states that Seterus Incorporated is obligated to look at future events that will effect escrow payments. The payoff of the Note effects future escrow payments ; Seterus Incorporated has NO legal standing to collect escrow payments if the Note has been paid. Seterus Incorporated has the information necessary to determine projected payoff ; in fact I have sent Seterus Incorporated, nearly a year ago, a payment schedule which showed an XXXX payoff. 

THE QUESTION : Why did Seterus Incorporated fail to fulfill the obligation of correctly estimating the escrow funds? Why was the XXXX payoff not considered? 

I do not need another copy of incomplete transaction records. I do not need a explanation of how my insurance and taxes increased. I need an answer to why the payoff was not considered.

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 2018-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I sent a check for {$1200.00} and Goodwill letter to XXXX  XXXX on XX/XX/XXXX. 

They cashed the check for {$1200.00} and still are perusing me for more money and are damaging my credit report. I sent XXXX  XXXX a faxed Copy at there request on XX/XX/XXXX of the original Goodwill agreement Letter dated XX/XX/XXXX with a copy of the check as well. 
I received no response from XXXX XXXX. 

I sent a dispute letter to XXXX  XXXX on XX/XX/XXXX. They singed for the letter on XX/XX/XXXX and never furnish the credit bureaus with the required disclosure, within the period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: WI

Complaint narrative:
My name is XXXX XXXX, my name social is XXXX and my date of birth XXXX. I have not recieved any update per my recent disputes to Experian and XXXX. I have been waiting beyond 30 days with no repsonse. I am requesting all of the erroneus, obsoletm and inaccurate items on my credit reports with both Experain and XXXX  be deleted 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
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loan debt was paid in full over two years ago and states paid off on credit reports. I do not owe this company for a student loan that has been paid off in full. False representation and fraudly trying to collect money. I contacted company and they state debt still owed but that in incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card through XXXX XXXX, which I pay on time. However, Experian will NOT report that I have this credit card and that I am keeping a very low balance or {$0.00} in most cases. 
I have this credit card for over a year, XXXX and XXXX does indeed report that I have this credit card along with other credit cards and that helps my credit score. After numerous attempts to get Experian to report on this credit card, I am getting nowhere with them. 
I have provided Experian a letter of re-insertion that they requested from XXXX XXXX, even after furnishing that letter, Experian is not reporting that I have that credit card in good standing, negatively impacting my credit score. 
I have a {$700.00} limit on the card, and the balance is {$0.00}.

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
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared. 

After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX. 

So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid. 

She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint. 
And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/18 I contacted synchrony in regards to an account from XXXX that they never sent any information on or the card. They stated they mailed the card to an address that's not mine and admitted they recorded the card was mailed back by the USPS and never activated the account due to this. The supervisor " XXXX '' in Kansas refused to mail me ANYTHING about the account after numerous requests. I asked for any and all documents regarding the account but was hung up on by this supervisor. 

Never once in any of contact did they verify who they were speaking with or verify my address, new address, anything AT ALL. I could have been an identity thief, they didn't care. They refused to close the account, they refuse to mail me ANYTHING, and hung up on me when I said they were breaking federal laws.

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 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
I contacted XXXX on two separate occassion asking them to validate a debt that they claimed belonged to me. This last letter I sent out to them was sent out around XX/XX/XXXX I sent out yet another letter to the credit reporting agency and a letter to XXXX  XXXX XXXX asking them to validate the debt. What they sent to me is a bill on their letter head with my name XXXX XXXX as being the patient along with the dates of service and the amount due. But the actual bill was addressed to XXXX XXXX. They said that they believe that the bill is valid yet they did not send me anything from the company itself. If they are legally able to collect on this debt then they should be able to validate the date with more than an amount and a bill with two different name on it I have been the victim of fraud and I am very careful as to anything on my credit report that seems suspicious

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Placed a credit freeze on experian account to prevent credit card inquires and new accounts, but experian account is still accepting open new accounts and inquires without my approval. Called experian but they leave no option to talk to a representave about the issue..

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 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had identity theft problem with my account and for some reason when I move I never did receive the credit card I applied for and now looking at my report I have inquiries that I did not authorize and I have no knowledge of so I reported that to the credit bureau and they refused to move remove the inquiry after I told him that it was identity theft they have all the paperwork on file to show proof but they still refuse to remove the inquiries

Company response to consumer: Closed with explanation