vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 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: IL

Complaint narrative:
I notified XXXX, XXXX, and Transunion of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: IL

Complaint narrative:
I notified Equifax, XXXX, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: PA

Complaint narrative:
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.

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 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.

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 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NCC Business Services, Inc.
State: WY

Complaint narrative:
I have a collection on my credit report from ncc for the company XXXX XXXX in XXXX XXXX Wyoming. The amount is for XXXX dollars and first they tried to tell my fiance not to bother to come to the hearing that was at a a later date thrown out of court the debt was for supposed damages and late fees that was compiled by paying rent 2 days late for months not knowing about this and was never told about the debt. This was in XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I got an Alert from my XXXX XXXX that my credit score had dropped. I pulled a copy of my XXXX credit report and noticed that two identical bill for XXXX XXXX had been recently added from two different Collections  Agencies ( XXXX XXXX & Receivables Performance ). 
The problem is that I was never contacted by the Collection Agencies and the account with XXXX XXXX XXXX was paid in full back in 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 2018-11-03 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: NJ

Complaint narrative:
I checked my credit on Experian. I notice a XXXXXXXX XXXX  card for XXXX which I never opened I found the account was used in Florida. I reside in New Jersey. My information was used fraudulently. I filed a dispute they refused to take it off my 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 non-monetary relief
Consumer complaint received 2018-11-03 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: IA

Complaint narrative:
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, EXPERIAN and XXXX ) about a  bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I  NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.

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 2018-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ETHOS LENDING LLC
State: CA

Complaint narrative:
I started a loan with with Ethos Lending ( XXXX XXXX, Ca ) on XX/XX/18 and had given them all of the information they requested and my credit scores were excellent that they used from a credit report done XXXX. Then two days before my signing date on XX/XX/XXXX, ( on XX/XX/XXXX ) they told me I would be charged a 1.099 % fee because my credit scores had dropped ( three credit agencies ) from XXXX to XXXX. I told them it was a mistake and when I called the credit agencies they told me it was because of a XXXX $ XXXX XXXXXXXX XXXX bill that was unpaid. So I called XXXX XXXXXXXX XXXX and found out it was not my primary bill, but a secondary bill from another property and they had sent it to the wrong address, not my current address they send my other bills. XXXX XXXXXXXX sent a letter out ( which they never do ) to all three credit agencies to negate this late report. Within 15 days my credit scores all rose 80 points to back over 740.  Well I signed the paperwork in the mean time and when I went back to Ethos they said they wouldn't rebate me the fees.. 
First I think when they first ran my report to see the excellent scores and approved my loan they shouldn't be able to change that and charge me {$4900.00} two days before I sign the paperwork, just to hit me up with another charge. 
And secondly when I show they the low ratings were wrong ( shown by the letter from XXXX saying to delete this report to all three credit agencies ) and then two weeks later all three scores rose to their normally high scores they should refund me the {$4900.00} charge because the ratings were false reports ... .. 
Ethos said they would explore this but just said well tough..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: IA

Complaint narrative:
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, XXXX and TRANSUNION ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XX/XX/XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.

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 2018-11-04 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: IA

Complaint narrative:
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( EQUIFAX, XXXX and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Thanks current PayPal account it is impossible to find your deferred balance on their app even though thats how the purchase was made they send some information but not when the big interest is due its fraud Thanks in advance 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 2018-11-04 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: ME

Complaint narrative:
For 3 months now I have disputed collections activity on the Equifax web site. Three times now I have recieved notification that my disputes have been resolved by email. There is a link included to check the status using the 10 digit number given when the dispute is submitted. For 3 months now I have tried to access the Equifax site and I get an error message that says my credit file can not be located. Each time I have had to call Equifax and end up getting someone in another country that I can barely understand. Each time I have had to ask for someone in the United States. When I finally get an Amercian on the phone, they tell me there is no reason for the error messages as they are asking me the same questions on the phone and it comes right up for them. THe Equifax web site wants me to sign up for one of their products and I will have access to my credit report and the results. I am not going to purchase anything to check on the status of my dispute. Both XXXX  and XXXX have removed the collections from my credit report because they were paid directly to the creditor as part of an injury lawsuit that I won. Equifax has not done anything to remove those items. It has been 3 months and I should not have to go through this additional stress they are putting on me. They need to get their web site fixed so people can get the results of disputes and see their credit report as XXXX XXXX XXXX do. I am tired of getting the run around with this company. They need to be fined or have their business license revoked. When asking when the web site will be fixed, the response is always we don't know and can not predict when it will be done. There is no excuse for a web site to continue to encounter these errors for 3 months or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have attempted to exercise my equity on my student loans by requesting my original instrument of indebtedness from Navient. I sent written requests for my two separate loans on XX/XX/2018 and it was received by them on XX/XX/2018. I did not receive any correspondence from Navient. I then made a SECOND written request on XX/XX/2018 which was received on XX/XX/2018. I did not receive any written response from them. 

I have provided for them my current address and contact information in writing and I have changed my information online in their database as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. 

Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Follow the requirements for seller protection. 
Track your shipment XXXX XX/XX/XXXX at XXXX XXXX  PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. 

Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX  Need to contact the buyer? 
Log in to your XXXX account and go to order details. 

XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal

Company response to consumer: Closed with explanation