vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is now the 3rd time I'm trying to correct this issue. 1st time in writing to which they said they need more time. 2nd time through the cfpb website due to them taking too long to respond and now this is the 3rd time. They can not prove I owe {$2000.00} and have not given any proof at all. Nothing with my signature or anything. It was opened up online is all they can give me with an address but that does not prove 100 % accuracy is being provided. I need more the some statements as my credit is my life. Now the want me to refer to a lawyer 's office for payment when the account isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I talked with a supervisor of Victoria Secret commenityy bank and they assured me they were going to fix this they never did. This is back from end of XXXX it started with the XXXX that was not supposed to be charged the supervisor said she would take it off and I assumed she did on the next month they added late charges and fees they took those off and again did not remove the XXXX and they still didnt remove it I have called and written over 20 times and no one has still fixed this now it is saying I owe XXXX and I paid XXXX in XXXX and she said she will take off the XXXX and any charges as this needs to be corrected I need help card ending XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-13 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: Georgia Student Finance Authority
State: OH

Complaint narrative:
I have sent 3 certified return receipt letters to Georgia Student Finance regarding the late payments they are reporting on 7 accounts that are  damaging my credit severely. 

To date, they have ignored my letters and never responded to me. 

I have provided them with FTC Advisory Opinion to Harris ( 03-22-99 )  *attached, which states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such  as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 

Please assist me with getting a response from Georgia Student Finance regarding the issue stated above. They have ignored my disputes and every month, they continue to report late payments even though the FTC opinion states they are to CORRECT and update the payments now that they are no longer late.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-13 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Uplift, Inc
State: MD

Complaint narrative:
I have had an account paid IN FULL with Uplift since XX/XX/2019. It is STILL REPORTING I have a balance of {$760.00}! I have called on sveeral occasions and they told me it's been updated and I can send a dispute if it's not accurate but yet they STILL ARE REPORTING IT WRONG! I want the account removed from my credit report for the egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient alleged that a loan was originated in 2007 in my name. They are alleging that a check in excess of {$25000.00} was cashed at a liquor store. 

I have communicated to Navient on numerous occasions that I never received these funds. I have not cashed a check. 

The promissory note and agreement has an electronic signature on it that Navient refuses to provide validation of. 

Although the loan may have been applied for along with other loans for anticipation of school expenses, I was subsequently approved for sufficient Federal Student Loans. Therefore I would not have needed the funds from the private loans. 

These private loans were never actually funded and the funds were never negotiated by me. 

I have also requested information regarding the custody of this loan. Specifically, these loans are alleged to have been originated with Sallie Mae. Records indicate that Navient and Sallie Mae are NOT the same company. It was not simply a name change. Therefore, Navient has to show proof that the loans were properly transferred to them from Sallie Mae. 

These loans are also reporting negatively to my Credit Report. Navient should block reporting until this issue is resolved based on Federal Law.

I do not owe a debt for funds I never received. I can not fill out a Identity theft affidavit that says someone stole my information in this regard. That would be a lie and perjury.

The overall picture is that although the loan may have been applied for, I never signed the agreement or received any funding. The loan was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Apothaker & Associates, PC
State: NJ

Complaint narrative:
I sent a medical dispute to the collection agency only to receive a pamphlet basically of copies of statements and bill of sale. No copy of license to collect in my state, no hippa form with signature, no copy of identification or social. Now this is in violation of hippa laws and they are trying to skate by. I know my rights. You have not proven the account is mine and being a lawyer is involved they should know better. I do not owe {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see narrative in previous complaint XXXX-XXXX. While this complaint is related to the same issue, it is not duplicative : the bank provided a response to the complaint and did not perform the actions they stated. I have attached the banks response to that complaint. The account in question is still open as of XX/XX/XXXX. The bank has failed to close this account for three months, and for two months after they formally stated they would close the account in their response to my initial complaint. If the account is not closed in a reasonable period of time, I will seek legal action. Capital One recently suffered a breach, and I do not want an open deposit account with this bank. They have refused to do what they have stated they will on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NC

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend  yourselves.

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 2019-11-13 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: NC

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
This is the 3rd attempt now to have this resolved. XXXX XXXX said I owe {$2000.00} but couldn't prove the account is mine or even that I opened it. They claim it was opened online so no signature, proof of contract, no copy of identification and any way to prove it was mine just a former address. Now they are passing me off to a lawyer office for payment on an account I do not owe on. They have to prove they are reporting 100 % accuracy which they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was in a car dealership this month and got a notice on my XXXX  XXXX   monitoring and noticed RPM had inserted itself on my Credit Report. No notice was given by RPM, which they are required to give. I had to walk out of the dealer and am without a car right now as someone totaled my car. I am now unable to get a car because RPM without any notice of any kind inserted itself on my Credit Report. I have also retained an attorney who has sent letters to RPM and has yet to hear from them. No lawsuits have been filed yet. I want RPM to contact my attorney ASAP to work this out. His name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Please also see attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
FCRA section 605B is very cleaner on how a CRA is supposed to act. 
Chex systems very specifically is breaking the law, on how identity theft reports are supposed to be formatted. The FTC has a specific form for identity theft that is compiled on identity theft laws. 
Chex systems feels they can add new items that the identity theft forms must contain, ie. signed manually and not electronically. 
I specifically went to the XXXX County sheriff 's department and their clerk certified, notarized and signed the police report that I had gotten from the FTC. This did not suffice and so I sent in the signature of the woman that is the head of the identity theft unit. This still did not suffice. Me the victim has to do more work because they rewrite Congress 's laws illegally and then I have to perform more duties.

I now had the senior deputy of the sheriff 's department of XXXX County and he signed it and put his badge number and his phone number on my police report and I am including that in this filing. Check systems needs to be stopped because they are making the victum more of a victim because of their unlawful and the illegal changing of the law and their policies. They have to have their policies comply with the law not change the law.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My mortgage was originally with XXXX and I wrote them a check for {$14000.00} which then brought my remaining principal to {$49000.00} which I can prove with the XX/XX/2019 statement. XXXX went bankrupt in the midst of processing my payment and the new company that took over the debt, Shellpoint Mortgage Servicing, claimed they didn't have record of the {$14000.00} payment. They eventually contacted me and stated they had located the payment once I sent them a copy of the check. Shellpoint then said everything was resolved. Now Shellpoint has sent me a mortgage statement saying my current balance is {$53000.00}. My original intent with the {$14000.00} payment was to cover all of my payments due for 2019. Shellpoint is saying I owe for XXXX. I have called and left numerous voicemails after being on hold with their customer service line, but have yet to receive a response from them. I don't understand how my principal balance went from {$49000.00} in XXXX with XXXX to {$53000.00} in XXXX with Shellpoint and have to make a XXXX payment ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

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 2019-11-13 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Im a victim of identity theft and fraudulent accounts have been opened in my name .Early Warnings is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Ive been trying to arrange a payment plan but that dont want, that want the payment in full And want this removed from my credit, right Im out of work because Im XXXX and I cant pay the all amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: MI

Complaint narrative:
I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX XXXX XXXX/ ACCT : XXXX/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX 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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 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: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I have submitted several disputes with them about this XXXX  account to no avail. I have called directly ( XXXX  ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation