vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : LEGAL DEPT. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as :. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$260.00} This ACCT. was charged off.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting XXXX not valid debts on my account. One from XXXX and XXXX/XXXX, that was disputed with all XXXX credit bureaus over 90 days ago. XXXX and XXXX could not validate the debt. XXXX and XXXX removed this debt because it could not be VALIDATED. XXXX only sent a 2 digit verification code electronically allowing a 2 digit verification code response. Experian REFUSES to VALIDATE the debt.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian reports an inquiry dated XX/XX/2016 from XXXX Bank on my credit report. I have a letter from XXXX Bank stating that they have forwarded removal of this inquiry to Experian.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX COUNTY RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Filed XXXX CO RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Released The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 2016-05-18 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Value Auto Mart Inc.
State: IL

Complaint narrative:
XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shermeta Law Group, PLLC
State: OH

Complaint narrative:
In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NC

Complaint narrative:
My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from 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 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commercial Recovery Systems
State: FL

Complaint narrative:
Agency Name : Commercial Recovery Systems , Inc. 
Debt is from XX/XX/XXXX? XXXX XXXX. 
Received a letter from them on XX/XX/XXXXSent a Certified Letter Requesting cease and desist calling my parents and son, also to call me directly on my mobile number. They continue to call all numbers regardless. I was threatened with court action, I requested then to be served so I can defend my self in court. They asked for my attorneys name. I did notprovide this information. Nothing they continue on. 

I am extremely worried that they may present a claim in court that I would not be aware of and get an unfair judgment against me. 

Was called today with the same story and I proceeded to request to be served at my place of work at which time the lady hung up. 
This is now getting ridiculous for a dept. I do not even remember having all my other depts. where paid in full or settled with XXXX payments several years ago.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.

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 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solidus Group LLC.
State: TX

Complaint narrative:
I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was sent a rebate card issued by Citi bank from XXXX. I was not home during the time frame to receive the card. Upon coming home and checking my mail I Did not find the card. I contacted the fraud department and reported that it was not received, they informed me that the card had been used. I sent in a fraud report and after review the bank denied it and wo n't disclose why I was denied

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 2015-04-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Consumer Financial Debt Services, LLC
State: IL

Complaint narrative:
I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diversified Recovery Services Inc.
State: TX

Complaint narrative:
diversified recovery systems keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and XXXX is still trying to collect the original amount.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Citi Management Group, LLC
State: NC

Complaint narrative:
A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reported to company several times that account was not mine

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored it.

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 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.

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