vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. It is now over 60 days and I have yet to receive a response. I feel as if I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days so the items should be removed promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA has not reported my credit history for my credit card that I have had for the last 9 years. I asked them to begin reporting my credit card and payment history and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az. XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report.

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter.

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts.

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX - {$2500.00} OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I'm trying to file a dispute against a merchant, XXXX for a purchase on XXXX, in the amount of {$98.00} that the merchant itself isn't taking care of and neither is barclay. I've tried to dispute first with XXXX because the order was some how lost and I've cancelled and they wouldn't, then I've tried to refund since it's misplaced and not delivered to me, no one is helping. I've then tried contacting barclay and they won't even help. Due to this XXXX, XXXX  generation of employee 's and incompetent companies, I have to come to you.

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke to 5/3rd Bank representative and chose deferment option for my loan ( Covid 19 ). I was told that 18 months of missed payments wold be moved to deferment and I would resume payments starting XX/XX/2021. 
On XX/XX/XXXX, XXXX, I received a Deferral Agreement, wtih conflicting and confusing information, stating on page one that I must make a payment on XX/XX/XXXX, and then lower on the page that I will have 19 months of payments deferred and that I have to make a payment on XX/XX/XXXX. 
I called 5/3rd bank for clarification and was told that I am requried to make a payment by XX/XX/XXXX, but that it will not be applied to XXXX payment, it would be applied to XXXX payment, AND that she can not garantee that I dont have to then make another payment for XXXX on XX/XX/XXXX. 
Desipite of having made a different agreement wtih the Bank the day before, having 18 months deferred, it was not corrected. 
This is very concerning because my froebarance ends on XX/XX/XXXX so I want my payment to be applied in XXXX. It is also decpetive because the Bank is deferring 19 months when in reality I am only 18 months behind. It also is deceptive becuase no where in the letter is clarified what happens to the extra month payment the letter is stipulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days.

To date Shellpoint has not responded.

Today I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NRA Group, LLC
State: OH

Complaint narrative:
I spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. 
Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. 
Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! 
I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. 
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2021-09-24 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: PA

Complaint narrative:
Transunion fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never gave you written consent to report anything on my credit report. I have tried to resolve this issue several times.

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 2021-09-24 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:
On XX/XX/XXXX I submitted a dispute for XXXX credit card reporting amount {$1600.00} for reporting different date of last activity from the other credit bureaus which is not accurate reporting. Experian is also allowing this account to report and active payment history and it is incorrectly impacting date of last activity. it has been reporting XXXX  for the past 3 years when is was charged off in XX/XX/XXXX how ever up until XX/XX/XXXX. To my understanding a charge off account should not include an active payment history. 

The response from Experian came back on XX/XX/XXXX and the results were the company that reported the information has Certified to Experian that the information is accurate. How can it be accurate when i submitted proof that the account is in fact reporting inaccurate and not FCRA compliant.

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 2021-09-24 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ever since Transunion added incorrect employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are doing is that they criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer 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 2021-09-24 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: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
Regional acceptance corporation removed a negative item from my report but then added it back.

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 2021-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Continuation of complaint # XXXX-XXXX  ( this is the third time we have reached out regarding Firstmark ) A payment was made XX/XX/XXXX of {$930.00}, a portion of this amount is to be applied to ALL eight loans. I feel Firstmark is applying funds to only six loans. Again received a call from a very sweet lady requesting payment on our accounts. The loans are up to date according to Firstmark website. Next payment due XX/XX/XXXX. The very nice lady did state this will effect our credit rating and fees will be applied. Please fix this. This is verging on harassment. Also a 12 moment call of wasted time for Firstmark employee and me. Firstmark please investigate this continuing complaint and issues. How can we get Firstmark to respond to our many requests for help? The time and effort put into the Firstmark collecting an already paid amount would be much better served assisting the customers who request help. Customer Service is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hard inquiries and accounts that are negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
In XXXX of XXXX I hired XXXX XXXX XXXX to apply a XXXX  monintoring unit on a car for a XXXX week surveillance. I was charged {$900.00} for this service and I paid {$900.00} for this service- {$150.00} for installation of the unit, {$150.00} for removal of the unit, and {$750.00} for the 2 week surveillance. My checks from XXXX  XXXX XXXX XXXX for this service are listed below : XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} On XX/XX/XXXX I received an email from XXXX XXXX  XXXX XXXX an invoice showing that I owed {$1900.00}. I attempted to communicate with XXXX XXXX XXXX inquiring about this statement, but never spoke to anyone. 
On XX/XX/XXXX I received another email from XXXX XXXX XXXX with another invoice but this time the invoice amount was {$1300.00}. Again I attempted to communicate with XXXX XXXX XXXX by phone, email, and text, but had no success. 
XX/XX/XXXX I received a notice from XXXX  XXXX XXXX XXXX XXXX showing that I owed {$1800.00} for services from XXXX XXXX XXXX. 
On XX/XX/XXXX I submitted all my documents to XXXX from XXXX  XXXX XXXX XXXX XXXX via XXXX. 
On XX/XX/XXXX I emailed XXXX again at XXXX  XXXX XXXX XXXX XXXX confirming that my account was closed and the issue dropped since I had not heard anything back from them. I never heard back from XXXX or anyone else at XXXX  XXXX XXXX XXXX XXXX. 
Then on XX/XX/XXXX I received a notice from Outsource Receivables Management stating that I still owe money for XXXX XXXX XXXX. I submitted the same info packet to Outsource as I had for XXXX  XXXX XXXX XXXX XXXX explaining that I owed nothing. My account was sent to collection. 
My credit score prior to this issue was at XXXX. At present my credit score is XXXX because my credit shows a delinquency for XXXX XXXX XXXX. I submitted dispute letters with each of the credit report agencies. I have a Financial Counselor from with XXXX XXXX XXXX XXXX working with me. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: IN

Complaint narrative:
I received the first bill dated XX/XX/2021 from XXXX XXXX for {$70.00} on XXXX XXXX. I paid said bill on XX/XX/XXXX in full. On XX/XX/XXXX, XXXX sent me to MCA management company. On XX/XX/XXXX, MCA sent me a letter stating I owed the debt with a collection fee which I did not receive until XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX who stated it was their error, and they will get it rectified. On XX/XX/XXXX, I contacted MCA to make sure it was removed and it was not. The woman XXXX from MCA started yelling at me saying that they can't do anything and I need to talk talk XXXX. She kept interrupting me. When I asked to talk to the manager, she ( manager XXXX ) said I was wrong and that they will not delete the account only mark it paid in full. I told her that was not good enough as this was sent in error. She said they will not delete my account because it was sent correctly. She then told me to take responsibility and pay my bills. Great manager/owner to treat people like that. I did pay my bill less than a week after I received the bill, prior to her company even being involved. For a person to speak down to someone so disrespectfully is beyond me. I ended up saying a bad word and hung up because she offended me so bad. McA should have confirmed the debt was valid prior to sending me the collection letter. They were able to look up my payment while I was on the phone with them so I'm not sure why they couldn't do that before the letter went out. She could also clearly see the account was paid prior to the letter, yet refused to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief