vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company continues to call and hang up on my phone while I am at work. I did not give them permission to call my cell phone. They are violating UDAP, Texas Debt Collection Act, FDCPA and TCPA. They call from different numbers. One day I believe they even called me before XXXX. They dont leave messages. I feel threatened as this woman just told me with all these harassing phone calls. It appears this company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law and the other previously listed regulations. 

I request validation of this alleged debt as the amount listed is not correct. I have been paying XXXX for my car insurance for over 2 years. I recently made a payment to XXXX and this letter seems to state the alleged debt is more than it allegedly is. 

I am filing a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). 

Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , XXXX 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 2019-06-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX  XXXX  XXXX , XXXX XXXX XXXX   XXXX , XXXX  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 2019-06-13 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: TX

Complaint narrative:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : 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 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
I contacted the debt collection agency and was unable to receive any information about the debt that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : TEXAS 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 non-monetary relief
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED 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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
When originally applying for my mortgage, I submitted an offer to Quicken Loans that was submitted to the sellers. On the documents it clearly stated that I was using a conventional loan. After a week, they submitted me for a FHA loan without telling me or following what was clearly stated in my paperwork. They then contacted the listing agent stating my credit was so low I didnt qualify for an other loans. They withdrew funds from my account under false pretenses of the service that I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 i had XXXX in my account that was stolen somehow and sent to a email i do not know. Someone had to access my account online and transferred that money to an email. I reported the issue with my bank XXXX American express bluebird ). They had told me it would take 7-10 business days to resolve this. I called the police and filed a report. On XX/XX/XXXX they responded through email saying that my request for refund was denied. They wont tell me why it was denied or any information only that i can write them and they will let me know why it was denied. I work very hard for my money and deserve to have all my money refunded. I am in so much shock that i was a victim of theft and they will not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian ( XX/XX/2019 ) to lift the credit freeze I had placed on my credit. Since I did not have the PIN Experian provided 15 months ago, I answered all the questions needed for them to send me the PIN. I received the PIN in the US mail ( XX/XX/2019 ), and attempted to temporarily lift the credit freeze, by phone and by experian.com website. I followed the steps required accurately and was asked to use the PIN they sent me in the mail. 

I still could not lift the credit freeze. In the mean time, I am unable to get a pre-approval letter from my mortgage company, because they can not run a credit report. This is causing serious difficulty for our family, and I believe this is unacceptable. 

As a side note, I was able to lift the credit freeze on XXXX  and XXXX  with NO problems. The problem is just 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 non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir/Madam Amount is XXXX and some change. 

XX/XX/XXXX while i was at work, i went on break to purchase some food but my bank card wont work. I did try it three times but still wont work. So i decided to login on my bank App to check what is going but for some reason Bank of America changed my card for a new card no idea why. So when i looked my available balance, for some reason my balance were very low and started going on details of charges on my account. While i was scrolling down i found lot of charges with the name XXXX XXXX on my account and i contacted Bank of America as soon as possible to make it claim while two transactions with the same name still processing. I did mentioned about the processing transaction but they could not do anytime at the time. But i did call back next day to add that on my claim number. I really dont have access to my bank email because it is my school email and i have been Out of school since XXXX so i wont know my available balance neither get email alert. 

I have been checking all of my purchases online to see if I could find anything related to XXXX XXXX purchases and I have not found nothing that I ordered in the past or received from this website. I also went over my emails for purchases receipt and have not found anything related to XXXX . I am legitmately and beleive 100 % truthfully I have no idea who is this company because the is no where to be found. I also have no idea what the charges are for because it is not really telling me what i purchase and I do not recognize the charges amount, neither the website. 

Therefore, Investigate this matter because these transactions appear suspect. I have never received or buy any goods and services with this Company nor I have dealt with them in the past for any merchandise delivered to above address. I never spoke to anyone or ordered anything from this company. I did receive few alerts in regarding to to XXXX purchases and other site as well but unfortunately I have not gotten any fraud alerts in regarding to these charges, but my card was suspected and cancel by Bank of America. 



I would appreciated your help and a response. 

Thanks

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 2019-06-13 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:
There is a Bankruptcy showing on my report from XXXX. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

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 2019-06-13 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:
There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/2019, I discovered that several thousand dollars ' worth of charges had been made on my Discover debit card. I reported them. On XX/XX/2019, I received a call from Discover dispute investigations who asked me a few questions and told me I should file a police report. I asked for the information they had and a supervisor named XXXX told me he would send me all of the documents. I never received any documents at all. On XX/XX/2019, Discover decided that the charges were valid even though it is impossible that I made them. I asked for proof and they can't provide me with any proof or documents. The burden is on them to prove that I made these charges and they will not show me what they are using to justify the decision that I made them ( most likely because there is no evidence ). Now my account is overdrawn and I can not pay my bills or book necessary business travel because of this. The Deposit Agreement says I have zero liability for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have submitted a loan modification application a few times with Bank Of America. I have a past due balance of over {$17000.00} because they will hold your modification or not respond for quite a few months. Then they will deny your request and try to focus on your home. I have filed bankruptcy to keep my home Because of this. We all know that there should never be a past due balance over {$17000.00} without there being something completely wrong. After filing my bankruptcy they have gone up on my regular mortgage payment {$1000.00}. Your reason for filing bankruptcy is to be able to afford your bills, however they are making it impossible for me. I recently Applied for another modification three months ago and have not received a response. I submitted all paperwork requested and have paperwork to prove that it was submitted still no response. I am reaching out to you for help to keep my home and To investigate Bank Of America no modification process and its unfair treatment to mortgage holders. This should be illegal.

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 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I received a random collection letter from Radius Global Solutions for a debt I do not recognize and disputed. I wrote the company 2x asking for proof that this debt is mine and that they have the right to collect the debt as I do not recognize it or their company. So far they have done nothing but send a statement twice. I disputed it the first time they sent it to me, so instead of providing any further proof that this debt is mine and I owe them and that it was unpaid they resent the same document that I disputed. Then they stated they were going to resume collection efforts. I still dispute this debt and they wont provide proof as listed above. I have written them for the 3rd time demanding proof. I dont know what else to do except to reach out for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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:
There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

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