vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is collecting and reporting a debt to the credit bureaus when I do not owe. XXXX XXXX is unable to furnish me with a contract that I had with XXXX XXXX and therefore is infringing upon my rights as a consumer.

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 2018-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a collection on my Transunion credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.

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 2018-08-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.

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 2018-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
This company is in violation of Fla Stat 559.715 which states " a letter of assignment must be sent out within 5 days and the alleged debtor must be given 30 days to dispute validity of a debt prior to lawful collection activity being commenced. '' Balanced healthcare did a soft inquiry on XX/XX/XXXX ( which clearly violates the statute in question ) when most of my medical debts either have been pd in full or are on pymnt plans. 
I haven't received anything from this agency and last time they tried to collect on a debt it was to have gone through my insurance ( since i have ambetter from sunshine health since XXXX of XXXX ) The only 2 med debts i owe is to XXXX XXXX and to XXXXXXXX XXXX XXXX. Both of these are on pymnt atrangements and i have proof both have been pd on month after month. 

XXXX XXXX XXXX XXXX has been pd in full since XX/XX/XXXX ( i have proof showing the debt from this organization is at a XXXX bal ) .All XXXX XXXX XXXX bills have been pd in full through north amer credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The incident occurred Saturday night XX/XX/XXXX. I woke up the next morning ( XX/XX/XXXX ) and noticed that I did not have my debit card and there were 4 unauthorized charges on my checking account. Two ATM withdrawals ( {$200.00} & {$240.00} ) and two charges at XXXX XXXX in XXXX ( {$1000.00} & XXXX ). I called Chase immediately to file the claim and cancel my card. They cancelled my card and sent me a new one, and I was told a claim was filed to dispute the charges and I would be notified with updates. I called back the next day to check the status and I was told that their system was down and I needed to refile the claim. While on the phone the second time, they logged two separate new claims for me, one for the ATM withdrawals and one for the XXXX transactions. I received a temporary credit for the full amount. Two weeks later all temporary credits were reversed. I called in to understand why, they told me that the claims were denied because whoever used my card had my PIN, along with some other reasons that I felt were less than satisfying. I have never told or given my debit card PIN to anyone. I went in to a Chase branch to try to gain some more understanding and the banker attempted to re-open the claim, but was told that they can not re-open it because the person who had my card had my PIN, and I ultimately was told there's nothing I can do. Now I am out {$2400.00} and I don't know what else I can do, but I feel that I am owed this money and Chase was less than helpful in supporting my fraud claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX I failed to pay my XXXX XXXX payment on XX/XX/XXXX due to financial issues and attempted to salvage the account by paying on XX/XX/XXXX on thursday XX/XX/XXXX I receive a notification that my payment did not go through. 
As soon as I receive the notification I paid the balance but XXXX XXXX reported my account. I take full responsibility for the missed payment on XX/XX/XXXX but my bank rejected my payment on XX/XX/XXXX which made my account 30 days late. I paid with the wrong bank account number and made the payment with the correct account as soon as I received the notification. I would really like to get this removed off of my credit report because I did not know the bank would reject the payment and I rectified the mistake as soon as I became aware of 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 explanation
Consumer complaint received 2018-08-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2018-08-26 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 — Problem with personal statement of dispute
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2018-08-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2018-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XX/XX/2018, I was notified that Source Receivable Management was added to my credit report as a collections account for XXXX. I have never signed a contract with them and I am not liable to this debt. A validation letter was sent to Source Receivable Management on XX/XX/2018. It has more than 30 days and I have not received any validation paperwork in response to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I disputed the accuracy of the information reported on my credit report XX/XX/2017. I never received a response detailing the debts accuracy and fairness.

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 2018-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
This account from Bank of America is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.

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 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of domestic violence and had to move but besides that I check all my credit reports XXXX, XXXX, XXXX and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: NV

Complaint narrative:
I received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. 

It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). 

Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This account from XXXX XXXX XXXX is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.

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 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
This company told me once the payment would be made to settle the account that the trade line would be removed. This company did not remove that trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir, I am going through the Experian Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, Experian credit report has fraudulent inquiry of XXXX Credit Card dated XX/XX/2018. XXXX is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted XXXX   XXXX or I do not have any plans to have any kind of XXXX  credit card. Could CFPB direct XXXX XXXX/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX XXXX/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.

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 2018-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion re-inserting deleted information on XX/XX/2018 I discovered negative credit item has been re-inserted into my credit file. you are required to notify me within 5 days of re-inserting a deleted item I did not receive any such notification as the law require the item XXXX  XXXX {$230.00}

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 2018-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX via my XXXX card I purchased an external hard drive for {$76.00}. I was supposed to receive the item on XX/XX/XXXX. I did not receive the item. I called XXXX customer service and XXXX XXXX via email. They both told me to wait till XX/XX/XXXX for a response and they never responded. I requested a refund for the item- and have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of XXXX  XXXX and had to move but besides that I check all my credit reports Experian, XXXX, XXXX   and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not 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