vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from 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 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NPS GROUP
State: TX

Complaint narrative:
This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, XXXX, Equifax and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on Experian, XXXX, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

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 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Collection Agency states that I have an alleged debt with them for a XXXX XXXX Account int he amount of {$1000.00}. I have disputed this alleged debt several times since XX/2016,X/2016,X/2016,X/2016. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. During this validation process, please cease and desist any attempts to collect this alleged debt and remove and or delete any negative marks from all three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing a transaction on my Bank of America card. I initiated the dispute on XX/XX/XXXX. I have received no correspondence until yesterday XX/XX/XXXX. The letter I received stated I needed to reply by XX/XX/XXXX ( the day before ). The letter also included a rebuttal from the merchant which had absolutely nothing to do with the claim. I called BOA on XX/XX/XXXX ; the day I received the letter and spoke to XXXX. XXXX instructed me to ignore the letter as the claim was resolved in my favor. I questioned him several times regarding this as it made no sense that they would send a letter on a closed claim. He assured me the claim was in fact closed and I needed to do nothing further. At XXXX AM the following day XXXX, I received an email from BOA stating my claim was forfeited as I did not respond by the deadline. I called BOA and spoke to XXXX. He informed me that XXXX was mistaken and indeed I had missed the deadline to respond. He also informed me that the merchant had 45 days to respond, BOA had 30 days and because they were doing research that only gave me a week to respond. He did allow me to respond today and still make the deadline. Apparently the merchants and Banks have more rights than the consumer that was defrauded. Not only can a merchant send in any response regardless of merit but the bank can sit on it and do nothing to wind out the clock. They can then give you no time to respond and blame you for missing a deadline that has passed.

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 2017-07-27 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: SC

Complaint narrative:
Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized

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 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the client 's right to counsel. We were advised the response to our requests would be provided on X/XX/2017 - this does not allow us to complete our audit of the response to assist our client. An Arbitration complaint has been filed against the foreclosure action and a Lis Pendens will be recorded referencing the same. We request a postponement of the sale date to allow us the time we need to assist our client.

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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from 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 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617.
Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services
State: KY

Complaint narrative:
I have sent a cease and desist letter to this creditor and they are still contacting # s that was on that cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was a victim of Identity Theft and only learned about this after Discover bank filed suit against me. I have sent in a dispute with the credit bureau 's and they still continue to report this inaacrate info to and on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: EQUIFAX, INC.
State: CT

Complaint narrative:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I leased a vehicle through a dealership in Illinois on XXXX XXXX, 2017, paying applicable sales taxes, registration and title fees for Florida where my primary residence is. I received temporary license plates from the dealership since expired as the leasing institution needed to provide license plates per the law in Florida as they are the legal title holder. The lease was done through U.S. Bank and they had all of the paperwork as of XX/XX/XXXX. As of XX/XX/XXXX, U.S. Bank has not provided me with license plates for my vehicle. I spent 2 hours in the DMV on XX/XX/XXXX trying to figure this out and another 3 hours yesterday, XX/XX/XXXX, there to finally find out that U.S. Bank is at fault in not providing me plates and I wasted a total of 5 hours. After speaking to U.S. Bank last night for an hour, they have not provided a sensible remedy, only more inconvenience for me, they want me to fulfill their duties. Their solution was to provide me a POA from their title department and they could only fax it to me. The real kicker is that this would take an extra 7 business days to get to me where they would overnight at that point. That would leave me driving an unregistered vehicle for another 10 days in Florida. In addition, rather than U.S. Bank fulfilling their requirements to get me license plates as per their contractual and state obligations, they are requesting that I personally go back, and do their work, to the DMV to get the plates when the POA is received so I can waste another 3 hours of my time. I am currently driving an unregistered vehicle in Florida per the DMV here as U.S. Bank has not fulfilled their legal obligations in Florida regarding title nor their fiduciary obligation to me as the leaseholder and customer. In fact they have been grossly negligent with me and have not fulfilled their contractual obligation with me per terms of our lease.

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 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: MD

Complaint narrative:
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation
State: CT

Complaint narrative:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase online to Home Depot for ( 2 ) air conditioners. After they changed the shipping date to a later date, I called on X/X/17 to cancel the order. They transferred me from the customer service department to the major appliances department where my cancellation/credit was processed. I then found out a week later that the cancellation/credit was not processed as I received another call with them trying to attempt delivery on the cancelled order. I called customer service and they explained that the cancellation was not processed correctly and they transferred me again to major appliances where the cancellation/credit was processed again. After a few weeks, the credit has still not been issued. I reached out to them several times inquiring about the credit. All attempts were ignored except for my last response where I explained I would file a complain with the Consumer Finance ( CFPB ). They finally responded with a letter on X/XX/17 that I was not responsible for the payment or interest. No information was included about removing the charge from the credit card. I just received a new statement and the balance still shows this charge. I would like an immediate resolution so this does not affect my credit score.

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