vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Around the end of XX/XX/XXXX I received a letter from a 3rd party collection agency, Rausch Sturm stating  I had 30 days to dispute the charged off debt. 
On the XX/XX/XXXX I sent a Debt Validation letter to them per FDCPA section 15 USC 1692g Sec 809 ( b ) ( see attached ) Two months later and not 30 days as required by FDCPA I received a letter where they cited a case XXXX v XXXX from XX/XX/XXXX where all they had to produce was the last four of my SS #, the amount that was charged off and the current creditor, again which was incorrect because XXXX XXXX had already charged off this allegded debt in XX/XX/XXXX. I Should also state XXXX XXXX was not the orginal creditor and I have asked them several times to provide that to me. In researching the case they referenced I found that in XXXX v XXXX, XXXX, XXXX XXXX XXXX, XXXX in XX/XX/XXXX the court had established new guidelines for debt validation which included an itemized accounting. They also referred to the case from the letter sent to me where the court was quick to point out in that case and in another case the debt collector went beyone the standard verification and sent an itemized accounting from the date the account was opened with every transaction. I sent another letter to this 3rd party collection agency stating the case law they had reference they did not fully disclose the true findings of the court. I also informed them that they bought this charged off debt for pennies on the dollar and any monies paid to them would be a direct profit and would not clear the charged off debt. They then sent me a letter stating they were collecting this debt now under Texas Finance Code 392.202. I informed them that the orginal letter they sent in which I replied to was under FDCPA regulations and now they are changing it over to state which is way outside of the 30 day requirement. They produced nothing with my name on it or how the debt was incurred and as I stated they were way past the 30 day requirement in sending me this information as they stated in their orginal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a XXXX. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, Transunion, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

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 2019-04-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In month of XXXX of 2018 there was two charges totaling {$12000.00} on my visa signature credit card with WELLS FARGO bank also there was a few personal loans that was opened up under my name without my authorization. I immediately disputed these charges and also i filled an FTC report and a police report. Unfortunately i been having a tough time to resolve this issue with WELLS FARGO and they are telling me they finished their investigation and their result find out these are my transactions. I NEED YOUR HELP TO RESOLVE THIS 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 monetary relief
Consumer complaint received 2019-04-16 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, XXXX, Equifax that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by Experian, XXXX, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX called me and threatened me stating they sent me a letter and if I dont pay the money I will be sued or possibly have my credit damaged for good. I advised them I spoke with milestone and since I was not working at the time my account was written off as bad debt this was done since 2016. This creditor says if I dont pay they will take me to court and damaged my reputation. I was afraid and I give my bank information as they requested. I need your help so this company does not take my money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: Admin Recovery, LLC
State: NJ

Complaint narrative:
This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from XXXX XXXX was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from Admin Recovery dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX  and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a follow up to CFPB complaint XXXX credit card account ending in XXXX fromXX/XX/2018. 
A letter from XXXX XXXX  was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX  is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report sinceXX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I applied on line, for my " Free '' Credit Reports at XXXX. I provided all of the requested personal information, and correctly, from my financial records, answered all " Security Questions '', as requested by the CRAs.

I received my " Free '' Credit Reports from XXXX and XXXX XXXX on line immediately. 
Equifax, however, declined to provide my report on line, and provided me with a PDF form to request this information, by mail. In addition, Equifax stipulated what documentation I had to provide in order to prove I was who I said I was. 
This information, included : Copies of my Social Security Card, A Pay Stub with SSAN, and W2 Form. for Identity Confirmation ; and for address confirmation, Drrivers License, Rental or Lease agreement/house deed, pay stub with address, and utility bill. 

Complaint : 1. Equifax had sufficient verification, to issue me an immediate Free Annual Credit Report, but elected to stonewall in an attempt to circumvent the requirements of providing an annual credit report without cost to me. They are of course hoping to sell me a " For Fee '' Credit report, only verification needed would be my Credit Card. which is what happenedto me the last time I requested a Free Credit report from them in XXXX. 

2. Information requested is unreasonable, and exactly what the FTC and Consumer Agencies advise NOT to provide, to prevent identity theft. ie : SS Card, Drivers License, and Deed. That's all an identify thief needs to not only steal my identity, but clean me out. I have lived at the same location for 33 years, which they know. I am retired, so I do not have Pay stubs, or W2 forms. I no longer have a residential telephone to bill, and all utility bills are paid online without paper billing. 

It should be noted, that the other two CRAs, XXXX  and XXXX, found my online verification sufficient to provide me with a report, and did not make unreasonable requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: NJ

Complaint narrative:
I see there are so many wrong inquiries on my report, it looks like identity theft case. I tried to contact Credit Bureau for that, even they are having wrong information on my identity. they asked me send my identity by submitting documents like SSN, Driver 's License, etc. I submitted everything, but there is no change in report. however they asked me to contact creditor who did inquiry. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( OK ), I called them and they are not supporting in investigation.I tried to ask them since XX/XX/XXXX, but the problem is same. I can not understand one thing that, it is wrong inquiry reported by some one else, why should I have to pay or wasting my time by calling each and every one to rectify the problem.

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I have been calls between the hours of XXXX XXXX. in reguards to an out dated debt of {$150.00} the person claimed to be representing Jefferson Capital Systems , LLC I was informed that if I do not pay the amount in question that my bank account, will subject to asset sizure. Including notifying credit card companies and reporting to all three credit reporting companies also stated that " they Jefferson Capital a group of people to place of home to obtain payment if not done so my place will be burned. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We currently live in XXXX and have been for twelve years, and I've been dealing with this annually on my visits home in California and over the phone ( XXXX ) and emails but I can't figure this one out.  Any advice is welcomed. 

Basically I got stock for a company that I worked in the US ( XXXX ) ran now by the company called XXXX before moving to XXXX. Before I left I contact them and my bank Citibank and wanted it sold and rolled into my IRA. 

Now what happened was the stock company was contacted by Citibank, but Citibank however forgot to input it into their system. 

So for over a decade I can't access, sale or collect dividends on my stock because it shows the bank 's name as head of the account.

The bank has nothing on their end and refuses to help ( for example writing letters showing they are not the owners of this account or stock, and the reason is they don't show it ). 

Every year I go back, I make calls, and every year poorly educated individuals swear this time it's fixed. This has been ongoing for over a decade. As you can tell neither company is willing to understand and says they can't help it without the others acknowledgment. 

The stock company refuses to give me the previous dividends since the openning of the account over a decade ago, although they told me over the phone they can, and the bank refuses to write anything saying they don't show that account for me in their system and are not the owners of it. The stock account ran by XXXX is named Citbank NA IRA Rollover XXXX XXXX XXXX. 

Im exhausted, I'm tired and I'm sick of wasting precious vacation time back home away from aging family at a bank for a few days each trip or on the phone. 

I want all dividends reissued to myself, and I want Citibanks name off of my accounts since they have refused to resolve this issue. I want to auto-deposit dividends into my XXXX account from here on out and don't want to deal with Citibank. 

My address has been updated to a XXXX address at both companies.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

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 2019-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has completed a dispute for a collection on my credit report. I am unable to access the results of this dispute after trying numerous times over the course of a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had deposited a check for XXXX and a check for XXXX I was promised that my money would be available by today and when I went to check my account my money wasnt available I was lied too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
RESPA Violation. 

Our loan was moved from XXXX on XX/XX/2019 to NewRez. Throughout XXXX, we attempted to make payments to XXXX but they told us it was too late to make payments to them. We then called NewRez, who didnt have accounts fully set up and stated it was too early to make payments to them and to call back in a week. On XX/XX/2019, both borrowers ' credit reports received a negative 30 day late notice for XXXX. This is in violation of RESPAs 60 day grace period.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation