vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my 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 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
This creditor Presto Title Loans is reporting this as a car loan with repossession. This was a car title Loans and they repossessed the car yet still put this on my credit. They should not have been able to so both and it is not a car loan as they are reporting. I looked into other title loans like XXXX   XXXX and if they keep your car your title loan is cleared why is this company not doing the same and reporting this as a car loan and repossession? They need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
This is the third time trying to remove XXXX XXXX from my credit report. Experian claims it has been removed and it still as of XX/XX/2020 has not been removed. Please refer to prior complaints XXXX and XXXX. How did Experian Verify this information? In both Complaints, I furnished a Settle and release agreement document on XXXX ( XXXX XXXX ) account # XXXX. This document is validation for removal. What is CFPB going to do about this? CFPB was built to protect the Consumer, last I looked that would be me. Experian has yet to do what they claimed to have done in the previous two complaints. XXXX XXXX XXXX   inaccurate is still on my credit 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 explanation
Consumer complaint received 2020-06-18 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: TN

Complaint narrative:
I have disputed the error that bills from a XXXX XXXX XXXX XXXX XXXX have appeared on my report several times, it's been removed from XXXX and XXXX XXXX, but Experian refused to remove it, citing that they have the correct information and that the bill in fact belongs to me. I have no knowledge of these bills, I have never received any mailings from this company, and one of the bills is now duplicated and shows twice on my report yet Experian still has not removed them. I've submitted a complaint about the company to the XXXX which XXXX XXXX states they could not find a bill and they need an account number which I've never received nor has one ever been provided to me. I have insurance so any medical bills would have been covered. They are unable to provide me with the information to prove these bills belong to me. They claim they have tried to reach me by phone but I have no voice mail from them regarding 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 explanation
Consumer complaint received 2020-06-18 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: SC

Complaint narrative:
I have had this item removed from my credit previously due to it being a fraud account. Experian is the the only CRA that continuously puts it back on. I never attended XXXX University. I have never taken a single class with these people. My wallet was stolen some years ago and I try to stay on top of my credit in case things pop up that I did not do. Experian has made this process extremely hard.

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 2020-06-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my 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 2020-06-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent Transunion a certified letter disputing the following inquiries, but still no feedback XXXX Credit Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I have sent 2 letters to Chexsystems regarding inaccurate information on my chexsystems report and they have failed each time to validate the disputed information in regards to federal laws. The first letter i sent was on XX/XX/2020. The second letter i sent was on XX/XX/2020. Both letters sent by certified mail. The only information i get back from Chexsystems is a letter that says the information I am disputing is valid and accurate but how was that validated when i wasnt sent/given any information to prove the validity of the disputed accounts. I was not sent any form or document showing the original form of indebteness bearing my written signature. I wasn't sent any form or document telling me that i opened the account bearing my signature. Verbal and digital authorization doesn't prove validation only a written signature. I'm requesting that because Chexsystems has failed multiple times to validate the disputed accounts that they be removed from my Chexsystems report immediately as they have failed to validate within 30 days of receiving my letters.

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 2020-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I was contacted and informed that my account was locked because AES acquired a student loan from education financial services which had incorrected NPI. This created a discrepancy with my account as AES locked my account erroneously. Thus making it impossible for me to log in and make my payments as I'm always consistently on-time. I was instructed by the company 's customer services representative to scan a copy of my driver 's license and passport confirming my correct birthdate and either fax/mail this in. I completed both of these requirements as of XX/XX/XXXX. It is now a month later and I'm still unable to log in to the website. I've requested several times to speak with a manager, and unfortunately AES has failed to adequately address my concerns. I'm extremely frustrated as I've had an account with them since XXXX and this has never happened before. I fear my credit will be destroyed and my lender warned me that my loan may fail the CAIVERs test. I'm more than willing to make my payments and I just want to ensure my monthly obligations are accounted for when I make these payments. Please help me as I'm completely out of options and lost for guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2020 PNC made a change that prevented me from being able to sign up for any apps requiring my checking account, specifically XXXX. I need access to my financial data and am unsure why they are preventing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I signed up with Freedom Debt Relief ( Freedom ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. Freedom advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from Freedom indicating that they negotiated a settlement on my XXXX XXXX account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with Freedom was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if Freedom would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX Trans Union and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX XXXX XXXX and Equifax. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's Experian XXXX XXXX and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: CA

Complaint narrative:
I signed up with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. XXXX advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from XXXX indicating that they negotiated a settlement on my BHK Financial account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with XXXX was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if XXXX  would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.

Company response to consumer: Closed with explanation