vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with Equifax and XXXX  for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/2020 a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from XXXX  and XX/XX/2020 it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX  is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX  with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both Equifax and XXXX  with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from Equifax and XXXX  due to it being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with XXXX  and Experian for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within XXXX days. 

I requested on XX/XX/2020 a method of verification from both XXXX for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from Experian and XX/XX/2020 it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX Bank is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX  and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from XXXX  and Experian due to it being inaccurate.

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 2020-07-18 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:
I have attempted to validate negative information furnished by XXXX XXXX XXXX to Experian the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked Experian how the information reported was validated the information and received no response. 
I reached out to theXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at 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 2020-07-18 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: LA

Complaint narrative:
Experian was notified the my XXXX XXXX XXXX account was paid in full last month. I also sent them documentation the the loan was paid in full and there should be a {$0.00} balance. They still have not resolved or updated my account.

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 2020-07-18 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: FL

Complaint narrative:
After receiving a current copy of my credit report, i discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-18 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: FL

Complaint narrative:
After receiving a current copy of my credit report, i discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I started a boat loan in XXXX of 2019 in which the initial loan amount was {$70000.00}. After making ( 20 ) twenty payments of ( {$1000.00} ) XXXX XXXX XXXX  each month the bank states thus far I have paid ( {$6300.00} ) XXXX XXXX, XXXX XXXX and XXXX XXXX in interest to date but they also state my principal balance is currently ( {$58000.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Since there has been absolutely no other fees applied to my account during the past twenty months of this loan, my balance should be ( XXXX ) XXXX XXXX, XXXX XXXX XXXX dollars and ninety-three cents [ {$70000.00} - ( {$20000.00} - {$6300.00} ) ]. Despite several calls and/or visits to the bank they refuse to correct this obvious error. Because of this egregious error and the bank 's refusal to correct it, I am paying more interest on this loan because the interest is charged monthly ( APR ) on the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We are trying to link our PNC account to XXXX in order to receive a COVID-19 grant however when doing so we get a message saying that there is a problem with PNC not allowing this to occur. We called PNC and they said the site may not be secure so they are not allowing the link. 

Its the only way we will receive the much needed funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/13 I initiated an online transfer in the amount of {$2000.00} from my checking account at Suntrust to my checking account with XXXX XXXX XXXX. The transaction posted and debited from my Suntrust account. As of XXXX I have not received the funds in my XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX on XXXX and they had no pending transactions. I also contacted Sutrust and was advised that the transaction failed and the funds were stuck although they removed the funds from my interest bearing checking account on XXXX. They are basically holding my {$2000.00} for no reason. This was money from a direct deposit from my payroll that I am entitled to. I have spent over 2 hours on the phone trying to resolve this. I was advised that they are now releasing the funds.

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 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BC SERVICES, INC.
State: OH

Complaint narrative:
I sent a VALIDATION REQUEST dated XX/XX/2020 to XXXX XXXX ( a XXXX XXXX ) located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX which was received on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. the letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay. We also asked for other legal notices required by law. They did not respond to me within the 30 days required by law THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, XXXX, and XXXX credit reporting agencies. To this date XX/XX/XXXX, they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left no other choice but to file a lawsuit for damages.

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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : RADIUS GLOBAL SOLUTIONS LLC XXXX BAL XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: NM

Complaint narrative:
Village Capital is re-financing my home. The current lender is XXXX XXXX. Village Capital told me not to pay my XXXX mortgage because we closed XX/XX/2020. Village Capital said my next mortgage payment would be to my new lender. XXXX called me XXXX asking about their XXXX payment. I told them I had re-financed. They knew nothing about it. I called XXXX XXXX and was told they would be making the pay off later that month. I told this to XXXX. Then in XXXX XXXX called asking me for the XXXX and XXXX payments. I called XXXX XXXX several times to get information. My calls were not returned. I am a XXXX XXXX   XXXX Veteran and I had such a severe XXXX XXXX! I XXXX   Village Capital and called and left messages at every number I could find asking for help. Finally after several days a loan officer returned my call. He explained that my original loan officer was not available and my original closing from XX/XX/2020 had not been received by them due to problems with the mail and that I'd have another closing. He said my XXXX payment to XXXX would be taken care of by Village Capital. He said he'd keep me updated and that my new closing would be this week. Today is Saturday, the end of the week and I haven't heard from him again, just that one call more than a week ago. XXXX calls me every day. They send me mail every day. My home is going into Foreclosure! I have so much XXXX   with the XXXX that I'm afraid to open the mail. I've spoken with the Dept. of Veteran Affairs and HUD. Both agencies share my concerns. I'm afraid I am being scammed because of the lack of communication and lack of follow through by Village Capital. I need a closing date. I need to know when the pay off will be made to XXXX. I need 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 2020-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Recovery Services, Inc.
State: MD

Complaint narrative:
I am a XXXX XXXX Veteran suffering from XXXX other XXXX  related to XXXX I take XXXX medications and several other medications related to my XXXX XXXX XXXX. XXXX thoughts are a daily stuggle and my family is more than understanding in regard to the issues I suffer from. As a family we are really experiencing financial hardship. My wife and my best friend sought XXXX XXXXl XXXX  for me. My best friend and my wife contacted the " XXXX XXXX '' without my knowledge. I was unaware of the consequences for the help and I found out later my best friend paid the {$380.00} fee to put in in contact with a XXXX that specializes in XXXX and I was diagnoised with XXXX and several other ailments stimming from XXXX. Words could not express how benneficial the evaluation made me come to grips with what I have been experiencing for decades. My wife who is not an American citizen signed me up with " XXXX  XXXX '' in distress seeking medical help without my knowledge for a suffering husband. My wife is not well versed in the English language and did not fully comprehend the consequencies of the medical guidance " XXXX XXXX '' provide. I was informed this organization required payment from my VA bennefits for the amount of {$6700.00} and I was flabbergasted! The " XXXX XXXX '' are not a government approved organization which my wife was led to believe it was. This organization is taking complete advantage of XXXX Veteran 's desperation and it should be criminal to charge XXXX Veterans such a astronomical inappropriate amount of help for very little services provided. I put in a dispute with XXXX explaing I had not signed anything with this agency for their services but my wife checked a box on their site and this action obigated me to a {$6700.00} commitment without my consent.I am desparate to have this entry eliminated of my credits reports. Please help me!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-18 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: United Revenue Corporation
State: TX

Complaint narrative:
I have attempted to validate negative information furnished by United Revenue Corporation to XXXX the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked XXXX how the information reported was validated the information and received no response. 
I reached out to theUnited Revenue Corp on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Sold a car warranty that refuses to cover anything. 

Total paid for thus car warranty : {$1400.00} 1.Car started acting up, called XXXX XXXX they told me to take the car wherever I wanted & have the dealership call them.

2.Took my XXXX  XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, SC XXXX. 

Dealership calls, explaining that thus company ( XXXX XXXX ) refuses to cover anything not even the XXXX $ diagnostic fee! 

Come to find out this company doesn't even have a website or physical address! I looked up the phone number provided to me by Credit Acceptance who sold me thus warranty & I found nothing but ( BEWARE SCAM WEBSITES ) referencing ( XXXX XXXX ) Please see LINKS below referencing this company its terrible! How is this company allowed to do business is beyond me! 

1 ) https : XXXX 2 ) https : XXXX HOW DO YOU NOT EVEN COVER THE DIAGNOSTIC FEE of {$99.00} Please help me CFPB!

Company response to consumer: Closed with explanation