vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I Need to File a complaint on Transunion I have asked them to investigate an account that I'm not sure is mine They keep claiming that the info was Verified as belonging to me I had asked them to send me Physical Proof as to How they investigated it and they refused I had reached out to the creditor they told me that they had no information about the account so I asked Transunion to look into but they have failed to do their Jobs I need physical proof that this account is in fact mine I need a credit app or any type of voice auto that it is in fact my account if they can't send me either of the requested info this account CAN NOT BE REPORTED IT HAS TO 100 % VERIFIED! so I will asked again and this will be my last before I take legal action XXXX XXXX ACCOUNT XXXX Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section  611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: MS

Complaint narrative:
I received a letter from Collections Unlimited dated XXXX with an attempt to collect a debt of {$170.00} that was discharged in bankruptcy on XXXX XXXX. The company then proceeded to place the account on my credit report. I sent them a certified letter asking can they remove it and they have not removed it as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX BMW XXXX 2.BMW Financial Services XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have accidentally opened the US pay pal account. Thereafter, in order to solve this issue, have provided a more than sufficient proof of fact I am an XXXX citizen, ( therefore accidentally opened the US pay pal account ). here are some of my conversations with pay pal : XXXX XX/XX/19 at XXXX XXXX I had made more than 10 calls,  submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for you to resolve these ones and for all. send me my money to my right XXXX pay-pay account! that is connected to : XXXX XXXX, I never had such a terrible customer experience XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I already told you it doesn't let me add a mobile number to my PayPal account, fix my problem. or ask somebody that can! 

XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I am an XXXX citizen my phone number is XXXX. 
I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore dissidently opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. resolve this issue once and for all and close my us account! 

XXXX XX/XX/19 at XXXX XXXX I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore accidentally opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. or to my debit card that is connected to this account, resolve this issue once and for all! I tried to send it to my debit card, not working. fix this! its taking too much time and effort! 

The full details of my case are in the record of US pay pal customer service ), It's too much to detail here. I had made more than a 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). 
I sent the local bank Account confirmation in order for pay pal to resolve it ones and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has been recording my calls without my consent and they have been calling me after I asked them not to. I have attached all proof to this and I want the harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. 

Company name is Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IL

Complaint narrative:
I discovered on XX/XX/XXXX that I had an outstanding debt in the amount of {$260.00} after it was reported to the credit unions. This debt was reported over two years after it had been sent to collections in XX/XX/XXXX. In that time, I received no written notice about the debt. I also received no phone calls about it. 

When I called the company to learn more about the debt, they stated that they would make a note that I refused to pay the bill because I insisted on seeing written proof of the debt before I paid for it. They stated on XX/XX/XXXX that they would send me written proof, which I have not received. 

I called to discuss the issue with a financial advisor, who advised that I pay the bill while not admitting that the debt was mine. He also advised me to ask for a letter of deletion to provide to the credit companies so the debt could be removed from my credit reports. I did as he advised when I called the collection company. They refused to provide me with a letter of deletion, stating that they would instead send me a letter stating that the debt was paid in full.

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.Credco XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/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 2019-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. 
With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.Discover Creditcard XX/XX/2018 2.XXXX Card XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have asked SPS to stop calling me in writing via USPS certified mail on XX/XX/2019.SPS  called me after the received my request to stop calling. This is a violation of the California Rosenthal Act which entitles me to {$1000.00} plus my attorney fees. I have attached proof that I revoked consent, proof they received it onXX/XX/2019, and proof they called post-revocation onXX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery, is reporting inaccurate Information to XXXX, the bill was paid in full by Medicaid, before I disputed I told the agency " verbally '' and in " writing '' this account was paid in full, and the agency is still reporting the account -- I asked for proof of this debt XX/XX/XXXX- the agency failed to respond, and it's still reporting on my credit file, I have been trying to resolve this issue with the this agency since XX/XX/XXXX I am not getting anywhere with this agency, I disputed this account with this collection agency several times, the agency keeps reporting to the bureaus as " verified '' with no proof of the correct documents- dunning letter , contract bearing my signature, etc ... I haven't received a phone call stating they were going to report this, this is giving me a negative mark on my credit file and is making it hard for me to obtain certain credit opportunities,, I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I applied for a credit account through XXXX XXXX Bank on XX/XX/19. They received a credit report from a company called Sagestream , LLC stating that my credit score was XXXX which was communicated to me in a letter that I received XX/XX/19. This is grossly inaccurate as a quick check of XXXX shows XXXX, XXXX shows XXXX, and XXXX shows XXXX. XXXX  was also at XXXX before the hard inquiry that resulted from applying for this credit line. A quick search on XXXX XXXX shows that I am absolutely not the first to have this exact issue with Sagestream , LLC and users who have tried to contact this company were prompted to send over sensitive information such as social security numbers which is against all recommendations from the financial advisors I have visited. This company should not be allowed to continuously report wrong scores to credit companies as it has resulted in I and many others having been denied after taking a hit from the hard inquiry.

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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Have a police report for identity theft. Explained charges are not mine. Opened a dispute, and still say I owe. There are various credit inquiries for same.! Why would I keep applying for credit to same companies? Need to fix my credit. Please help me.0

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.XXXX Creditcard XX/XX/2018 2.XXXX XXXX XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.Wells Fargo XX/XX/2018

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 2019-04-13 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: UT

Complaint narrative:
I have submitted several disputes with Experian and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take this off I have filed a complaint with the company XXXX  as well.

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 2019-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
I paid all my payments on time to Flagstar Bank while I was in the Federal Emergency Home Loan Program and on the FHA HAMP Loan modification program and Flagstar Bank did not apply my money to the account level in a timely manner. Instead they put my money in a suspense account and applied it to the account level whenever they felt like it. Now I have been trying to obtain a release on the FEHLP contingent lien since XX/XX/XXXX and have had a denial thus far and not even a reduction of 20 % per year for four of the five years which are not in dispute. They claim that I was delinquent in XX/XX/XXXX ; however, please see attached documents because that is not true. Also I was able to remain current on the FEHLP and still enter the FHA HAMP program under the " imminent default '' option to get into the FHA HAMP. In short, I did not have to be delinquent to get into the FHA HAMP. Flagstar had treated me as a delinquent the entire time I was being serviced by them when in fact I was current. They did a " lockout '' where they switched the locks on my front door. They have been coming into my home and on occasions small items were missing or damaged. I think they worked with other creditors of mine to help them collect their money from me in violation of the Fair Credit Reporting Act. They have reported me to the three credit bureau reports as delinquent even to this day for periods of time when I am in fact current. Please see attached letter from the former President of Flagstar Bank. I have contacted numerous local,  state, and federal agencies to help with no success. I am looking for the release of the contingent lien and for a XX/XX/XXXX 1099 form for the forgiveness of debt and for my credit bureau reports to be corrected to reflect current and for interest on my money while it was in the suspense account, and for reimbursement of my locks. I should get more money for intentional infliction of emotional distress ; however, I realize that is very unlikely.

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need to File a complaint on Transunion for a FCRA Violation 2 XXXX credit cards account XXXX and XXXX are closed accounts and both accounts are reporting a Monthly payment This is a major fcra violation please delete these 2 accounts ASAP CLOSED ACCOUNTS CAN NOT BE REPORTED THIS WAY PER FCRA REMOVE BOTH ACCOUNTS TODAY

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 2019-04-13 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I have submitted several disputes with XXXX and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XXXX, XXXX and XXXX. They refuse to take this off I have filed a complaint with the company Nordstrom as well.

Company response to consumer: Closed with explanation