vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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: NM

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; 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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Latest date of phone call - XX/XX/2019 XXXX MST This company, identified as Radius Global Solutions , has been using their call center in XXXX to spoof local phone numbers and make harassing phone calls that violate several sections of the Fair Debt Collections Practices Act. These include : repetitious phone calls that are intended to annoy, abuse, or harass, calling without telling who they are, and calling before XXXX XXXX. 

The supervisor on duty at the time of calling was XXXX XXXX ( spelling is not clear, he refused to spell his name ). 

Typically, they hang up without leaving a message. However, on this latest call I was able to answer. By the use of their XXXX call center employees, the company misrepresents the nature of the call as well as refusing to provide more information to rectify simple mix-ups like wrong numbers. 

This company has been told several times that they are calling a wrong number and although they indicate the number has been removed, they continue to call from different phone numbers. They refuse to answer questions in order to rectify the calls and simply hang up when more information is requested. They also refuse to provide simple and non-protected information about the nature of the call and their business. Through the use of repeated harassment and very early morning calls the attempt to bully people into paying questionable debts is clear. 

Additionally, I have received calls from this company several times per week for months, despite repeatedly telling them that they have a wrong number. In short, their communication tactics are abusive, threatening, and unprofessional even when dealing with a simple wrong number. It is doubtful they are better when conducting legitimate business with actual cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NM

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Made a Check Deposit at TD Bank ATM From Social Security {$800.00} and My Check and the Funds Was Available XX/XX/2019 and TD Bank Place A Verification Hold On My Check for the Check {$800.00} and made my account into Negative {$580.00} with 2 Overdraft Fee Of {$35.00} Dollars Please Help me with this Problem i dont know why TD Bank Did Cause This Problem into My Account.?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

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 2019-06-11 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:
On XX/XX/2019 I sent a letter to dispute items erroneously reported on my credit report. On XX/XX/2019 Equifax replied with an updated credit report stating that everything was verified! On XX/XX/2019 I sent another letter asking for Method of Verification, according to USPS this letter was received by Equifax on XX/XX/2019. According FCRA, CRA has 15 days to reply with Method of Verification. I hadnt received a response as of XX/XX/2019. I proceeded to send a follow up letter on XX/XX/2019 asking for verification once again. On XX/XX/2019 Equifax sent a response which was another copy of a credit report. The Method of Verification was not included. Today is XX/XX/2019 to date I havent received Method of Verification. Equifax continues to report misinformation on my credit report and this is causing a hardship!

Please promptly remove the items erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I recently contacted Navient and requested information about how the principle and interest are being applied. After receiving and reviewing payment information ( for the last 24 months ) it appears the principle and interest applied over the last couple of years is bogus? In some months no principle was applied and just interest paid to them? In other months an average of {$30.00} was applied in principle. Navient still alleges the loan is still a 20 year loan? How can this be? This is truly unacceptable, as principle should always be applied with every payment? Also they are alleging that the federal government is setting these rules on the way payments should be set up. In addition their payment plans have become outrageous! They are now telling me my payments will increase {$700.00} in the next year or so, when I was originally told ( by another customer service rep two years ago ) my payments were already set at {$430.00} for the life of the loan? CFPB please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NM

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
This company called Wakefield keeps putting this account back on my Credit Report once it's removed! I keep telling them that this account does not belong to me! This is a 3rd party collection agency! Who has 2 accounts from Wakefield {$730.00} and {$480.00} from XX/XX/2018!!! I also told them that am a victim of Identity theft! Can someone please look into this and get this removed off my Credit report as soon as possible? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
improper use of credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NM

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Canceled previous Citi card as it was lost. Received new card which I have yet to activate. Company allowed a reoccurring charge after denying it for two weeks on a card I have yet to activate. 
Citi states they gave the new card info to the merchant XXXX. I never gave permission for this to happen. If I wanted anything anymore from XXXX I would have activated the new card and inputted new payment info.

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 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

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 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/2019 I contacted Navient to enroll in 6 month grace period due to graduating on XX/XX/2019. Navient said I was not eligibile for grace period and did not explain why. I informed Navient that I work part time for a school and I am currently unemployed because of the summer I can not afford my monthly payments they are demanding me to make. They asked about my co signer I told them my grandmother income changed age can not help me with the payment. I asked for a hardship forbearance I was denied. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
BASICALLY THERE MAKING IT HARD FOR ME 2 GET ANY TYPE OF CREDIT. THEY CALLEME HARASSIMG ME THREATNING ME OVER AND OVER AGAIN I ONLY BOROW XXXX FROM THEM AND THEYRE SAYING I BOROWED XXXX.WICH I DID NOT ALSO THEY ALSO GAVE MY # TO OTHER LOAN COMPANYS CALLING ME OFFERING ME. LOANS I JUST WANTEM TO. STOP PLSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NM

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group
State: FL

Complaint narrative:
The Company Arete Financial Freedom mislead me over the phone into paying them {$790.00} for a service that it could have been at free cost to me through my service loan department ( XXXX ). I already have a debt paying my student loan to begin with. What make them think that is ok for people to give them money that it doesn't go into my loan debt account. I could have pay this {$790.00} into my own debt and bring the cost down of my principal to bring payments and the cost of the loan lower. They made me pay an amount of {$260.00} once at month for the next three month which started back on XX/XX/2019. They told me over the phone to go over the forms and signed them without giving time to read the contract. If I had the time to read over the contract, I would've never pay them this money. This is a trick that they use to mislead people and student to pay money. If they really want to help with our debt, they could have told me to go thorough my service loan department at free cost. I have also summited a complaint with the FTC Ref # XXXX and, will be calling the state Attorney General as well. I have emails and forms sent to me by the company ARETE Financial Freedom that I can send to you guys whenever they are requested. Their number is XXXX-XXXX-XXXX-XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
I have been trying to remove my fraud alert with these agencies, however they have not removed it, please remove my fraud alert from my credit report and security freezes if any. 
A copy of my Drivers licence, social security and utility bill is attach to proof my identity, thank 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2019, I respectfully submitted complaint no. XXXX. The lender stated that will not furnish any other information claiming i was not authorize on the account. Attached please see court Order. The Court order reflects i am the legal representative to the Deed and therefore have every authority vested in me by a Circuit Judge to challenge the foreclosure action. Also see Lis Pendens where i am named party to the lawsuit and have every right under Florida Statute 673.3081 ( 1 ) to challenge the note and its endorsements. Upon receipt of the Qualified Written Request, the lender responded and stated that XXXX XXXX was a former employee of FAR. We will like to know who is FAR and what is the relevance between FAR and Urban Financial Group Inc? Can you provide power of attorney authorizing XXXX XXXX to have executed the endorsement for Urban Financial Group Inc, since her name is not listed on XXXX. In fact the names of every officer will appear on Floridas site.  The reason we made the inquiry is because XXXX XXXX is not found in any documents pertaining to Urban Financial Group Inc. We believe XXXX XXXX does not even exist and is the reason the lender does not want to comply. It appears on its face that the lender have engaged in Floridas Deceptive Business Practices.

Company response to consumer: Closed with explanation