vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sent letter to TransUnion, XXXX, and XXXX  requesting, validation of XXXXXXXX XXXX account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.

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 2018-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Sierra Holdings LLC
State: PA

Complaint narrative:
I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Violation of Fair Credit Reporting Act ( FCRA ) section 611. TransUnion File Number : XXXX. On XX/XX/2018 I mailed a request for the " Method of Verification '' regarding investigation results dated XX/XX/2018. ( See attachment. ) TransUnion received my request via certified mail on  XX/XX/2018. ( See attached copy of certified mail receipt. ) TransUnion replied with a letter outlining the " investigation procedure. '' ( See attachment. ) I did not request the " investigation procedure. '' The " investigation procedure '' was already provided with the investigation results. I specifically requested the " method of verification. '' Furthermore, I contacted TransUnion via phone on XX/XX/2018 and the representative named XXXX XXXX, stated the " method of verification '' was an electronic source known as " XXXX. '' Why am I receiving contradicting information? Over the phone I'm told one thing and via mail I receive a response which does not pertain to my request. TransUnion is in violation of the FCRA section 611. " XXXX '' is not a valid " reasonable investigation '' as defined in the Fair Credit Reporting Act ( FCRA ) and a recent case in the U.S. Court of Appeals, XXXX vs. TransUnion. TransUnion is using stall tactics and sending me deceptive correspondence in order to avoid written documentation to me with the " method of verification '' for the dispute. TransUnion should be held accountable to the fullest extent of the federal, state and consumer protection laws which have been violated. cc : FTC, Florida Attorney General.

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 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was having a hard time managing multiple checking accounts while going through my XXXX treatments, so I closed the one charging me monthly fees ( Bank of America Checking ). I closed this account from within my local branch ( the only way allowed ) and was told that it would be closed with a zero balance and all pending transactions ( including automatic payment to my credit card also with BoA ) were factored in. I was given incorrect information by the branch, and the payment to my credit card did not go through ( a tiny {$20.00} or {$40.00} amount ). Due to the bounceback from closing my checking, BoA put a restriction on the credit card payment system and did not allow me to make any payments on the account. I was not able to visit a local branch again due to being in the hospital for XXXX with my XXXX, and they listed the account as past due and closed my credit card, resulting in a 100 pt drop in my nearly perfect credit score.

In addition, when I called to attempt to resolve the issue ( a call placed while at my local branch ), I was given a trove a misinformation ( which was also given to the branch manager. They also ran my credit again without my permission when " looking into re-opening the closed account '', resulting in a hard inquiry that I did not place and further drop in my credit score.

Both of these issues have caused my credit score to drop.

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 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I first received a collection letter in XX/XX/XXXX in the amount of {$2600.00} from Resurgent Capital Services. Origination date with original creditor was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. I responded to this notice on XX/XX/XXXX, explaining that I as XXXX with the West Virginia XXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX, and, therefore, disputed the validity of the debt as I could not have incurred it. I requested that the company immediately cease and desist all contact and communication with me. In late XXXX of this year, I again received a second collection notice from the same company for the same creditor, same time frame in the same amount. I sent out a second cease and desist letter dated XX/XX/XXXX, again disputing the validity of the debt due to my XXXX. On XX/XX/XXXX, I received a third collection notice from this company ; same creditor, same time frame, same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I became 2months behind on my mortgage with Primary Residential Mortgage and informed their rep ( XXXX XXXX ) that I was having money/employment issues while looking for new employment. I then asked if I could make a partial payment towards the balance and I was told to make the complete 2months payment, include the late fee or return their Hardship Application. I returned their Hardship Application and was told that it was incomplete. I spoke with XXXX again regarding my incomplete Hardship Application and informed him that I did not have the additional documents that he was requesting but I wanted to make a partial payment in an attempt to get caught up on my mortgage. He then told me again to send the additional documents or my partial payment would be rejected. I then asked to speak with a Manager as I felt that XXXX was not attempting to assist me. He then immediately told me that no one was available ( Without checking ). I then asked to be transferred to his Manager 's voicemail and I left a message for XXXX XXXX ( Yes, they have the same last name ). After two business days passed I did not receive a return call from XXXX so I called, spoke with her and was told that she didn't return my call because she thought the situation was resolved ( How, I have no idea ). I explained to her my situation and she informed me that what XXXX had said was their policy. I let her know that I wanted to save my home, that XXXX wasn't assisting and she urged me to return their Hardship Application. I informed her that I had, it was incomplete and I was then told their was nothing that could be done. I even spoke to a different rep and asked for my loan to be transferred to a different rep and was refused. I am now borrowing money and scraping together what I have in order to stop my home from going into Foreclosure. I have never been offered any alternate payment plan or solution other than return the Hardship Application ( Which I provided Bank Statements and Info, XXXX, IRS Tax Transcripts and an Explanation Letter but was told it's incomplete ). I now do not feel that I am being assisted or protected as a borrower but that the Lender may actually be attempting to foreclose on my home because of the equity that it has gained. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPL Recovery Solutions
State: VA

Complaint narrative:
Company contacted me. I asked them first to send me verification of the debt. They advised they would email it to me. I never received an email and checked my spam daily to make sure I didn't miss anything. 

They called back and said somehow they forgot to send. I waited again and did not receive an email. Gentleman called back and accused me of lying and not wanting to pay the debt. I advised him that I simply wanted verification of the debt and his company 's legal entitlement to collect the debt, as it was not on my credit report. 

I then asked for his name and mailing address so I could send a request for debt verification in writing. He refused to give it, kept talking over me and not addressing my request for this information. He then threatened to garnish my wages for the full debt amount and not the offered settlement amount. He became irate and very combative like nothing I had ever experienced before.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. 
XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. 
They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. 

The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification. 
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.

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 2018-10-26 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX   XXXX  Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2018-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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