vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 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: HI

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 ( Original Creditor : 08 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 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander does not have monthly charge off amount. Please delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal receives funds to my account from my ebay sales. XXXX has cleared and rated my account as an above standard seller.No complaints from any buyers. However paypal gets my funds and holds on to them. They take my funds and not allow me to have access to these funds. Until 21 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX this year I got a credit report that Greensky opened a line of credit in my name. I contacted Greensky on XX/XX/2019 XXXX   XXXX/GREENSKY Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and they said that some construction company opened the account in my name. I said I did not give anyone permission to open an account in my name. And furthermore .I did not give a company permission to conduct business electronically with me. Greensky said they could care a less about that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: NY

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 ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : 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 2019-05-26 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: NY

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 XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-05-26 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: GA

Complaint narrative:
Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights. 
Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character. 

This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 


I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: PLANET HOME LENDING, LLC
State: IA

Complaint narrative:
Planet home lending was my mortgage lender from XX/XX/2018 to XX/XX/2018. 

They are reporting multiple 120 day late payments on all 3 credit bureaus destroying my credit score and  refusing to correct the problem. My wife and I were never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
A suspicious debt was listed on my report back in XXXX stating it was defaulted & that it was opened in XXXX of XXXX, claiming that I owed money on a XXXX/XXXX account, that I am positive that I had never opened. A year later, this company referred to as Midland Funding Llc, appeared on my credit report, claiming to be the collection agency for XXXX/XXXX. In the past, I had tried to dispute both of these supposed debt reports through the credit agencies with no success. It has been almost 7 yrs. since the 1st listing on my report, & I have NEVER received any notifications from neither the " original '' creditor, nor Midland Funding Llc. If this collection account through this agency Midland Funding Llc was supposedly real, then wouldn't you think that I would have received phone calls, mail, or emails about it already from both the original creditor & this agency, considering it has been 6 yrs. & 8 months since the original creditor stated that suspicious account had officially been opened? To make this even more questionable, this company Midland Funding Llc has violated the law by re-aging this so-called debt on my credit report, thus stating that it was opened in XXXX of XXXX, to keep being able to illegally report this collection account to the credit bureaus for almost 2 yrs. longer than the original supposed account opening date. This isn't right that there are agencies out there, that will go out of their way to purposely break the law in several different ways just to con people into paying a debt that isn't theirs just because they listed it on these individual 's credit reports, & they don't even attempt to validate the accounts at all to make sure they are legit first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I received an letter from collection agency on XXXX XXXX Company name National credit system XXXX. XXXX  XXXX XXXX Georgia  stating that I owe {$3700.00} debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. In fact my lease was till XXXX and I informed to the Apartment management one month before ending the lease that i dont want to continue further I left the keys in there drop box on XXXX XX/XX/. After that I received the notice from collection agency that I owe money. The apartment management did not contacted me and did not sent any written letter that I owe some thing to them. After 4 months Im receiving letter form collection agency I called to XXXX XXXX the collection representative and told her I dont owe any money to the apartment people o Also asked her to send me the written explanation of this debt they did not sent me any information and they reported it to the credit Bureau.Now this debt is on my credit report which I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with Chase Bank on XX/XX/19 with a {$200.00} bonus promotion. In order to get the advertised bonus account holders must have direct deposit totalling at least {$500.00} within a month. After satisfying this provision, chase advertises the delivery of the {$200.00} bonus applied to the new opened account. I satisfied the direct deposit requirement within the month upon opening but never got any bonus applied. I visited the bankers multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I am not aware of an account listed by ARS Account Resolutions to my credit report. ARS ACCOUNT RESOLUTIONS has reported  XXXX as a collection balance I am requestion debt validation. Please provide a copy of the contract of this account, Proof that you are legally approved to collect on this account and The account balance details to me as required by the FCRA within the 30 day required time line

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 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion fails to updaye my information ( all ) i have sent certified updates, called numerous times to fraud department..i can not get them to correct my name, misding addresses, work history, midsing loans.. And can not get a credit score..on my XXXX and other databases it shows ( XXXX ) on transunion for my credit score. This has been continuing since XX/XX/XXXX..still i can not get any help ... i want my info ( all ) corrected and credit report and score available to me as i see fit and want my credit frozen and intialfraud alert and a apology from this bureau..this is the 2nd time in my lifetme transunion has had incorrect info on my report.. 1st time was a complaint in XX/XX/XXXX i had been reported for owing over 113,00dollars in federal tax ... i hired a IRS problem resolution officer ( XXXX XXXX ) she coild not find anything..only that i always recieved refunds on my taxes..well this issue came up again in XX/XX/XXXX ... so i dif the investigation and found that a county clerk had filed the complaint under the wrong Social Security Number..the name of person was similar to my name and live in a area ive never resided. I carried that burden from XX/XX/XXXX to XX/XX/XXXX..was refused credit because of this mistake ... and now since XX/XX/XXXX i have become a victim of identity theft. Some person or persons filed numerous 1040 form with my social security numbet.. The IRScontacted me by letter on XX/XX/XXXX and informed me of this and they caught the error because i do not have a tax filing status since XX/XX/XXXX..i was deemed XXXX in XX/XX/XXXX. I am furious and want my credit report corrected and a apology and i have suffered pain and mental anguish because they refused to listen or help me!

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 2019-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
Original amt due ( owed to original company ) : {$2800.00} Aldridge Pite Haan , LLP charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from APH dated XX/XX/XXXX in the small claims court of XXXX County AL. I was never summons to court at the time. I did call APH to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from APH., LLP. I never received any other notice from APH, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a car from Lobel Financial account # XXXX. The company began reporting on my credit file to a three creditors, on XX/XX/XXXX. My last payment on this vehicle to Lobel Financial was on XX/XX/XXXX. I disputed on XXXX, the payment history and request for corrections to be made. Instead of correction like requested, account was removed from my credit file with all three credit reporting agencies. I contacted the company Legal department many times by email, phone and fax. And I was told, the company would replace the information to my credit file. But, it's still hasn't showing up on any of my credit reports. I believe the company can careless about correcting the information on my credit file and replacing it, due to the vehicle already purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Original XXXX due ( owed to original company ) : {$2800.00} XXXX XXXX XXXX , XXXX charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from XXXX dated XX/XX/XXXX in the small claims court of XXXX XXXX AL. I was never summons to court at the time. I did call XXXX to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from XXXX, XXXX. I never received any other notice from XXXX, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Model Finance Company
State: TX

Complaint narrative:
I never in my life had a house never try to get one

Company response to consumer: Closed with explanation