vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 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:
I 've made a complaint to the CFPB on company  XXXX   XXXX   XXXX   XXXX   XXXX  complaint number  XXXX  and this response i received response STATUS Company has not responded to your complaint  XX/XX/XXXX   The company has not responded to your complaint.  <P/> We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.  <P/> I 've disputed this account with equifax several times I was requesting documentation for them to give me that they had permission to claim these false allegations on my credit file and want it removed if they could not I hold no contract with this company and this company is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I keep getting repeated calls from  XXXX . When I tried to return the call, I could not understand the person who answered. I believe these people calling are trying to rip people off.

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 2017-07-13 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: GA

Complaint narrative:
I have contacted both Equifax,  XXXX   XXXX  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section  605  ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both   XXXX    XXXX   XXXX , and Equifax that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: LEXISNEXIS
State: GA

Complaint narrative:
I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX  this company received certified mail asking for validation of debt. On XX/XX/XXXX  the company still did not validate debt owed and they did not mark the debt disputed by   XX/XX/XXXX   through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on   XX/XX/XXXX  . A lady from the company called and talked to me about the debt on XX/XX/XXXX    but again did not have the credit bureaus mark the item as disputed. The company still violated the laws.  Section [ 15 U.S.C. 1681s-2 ] ( 3 )  duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B  ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section  603 ( p ).  This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and  XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed.  XXXX  is marked disputed because on  XX/XX/XXXX  I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until   XX/XX/XXXX    . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on   XX/XX/XXXX     and   XX/XX/XXXX    . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: LEXISNEXIS
State: IL

Complaint narrative:
The United States Bankruptcy Court does not report to the credit bureaus.  Lexis Nexis  does not own my bankruptcy account and therefore can not report my information to the credit bureaus. This information needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   is trying to collect on a debt for a MasterCard account via Orchard Bank. I do not recall ever having a  MasterCard  and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX  bearing my original signature.  XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XXXX  and  XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened is against  Federal  Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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:
On X/XX/16 went to XXXX XXXX for missing engine and motor trouble. They .Installed broken spark plug and misgapped the other plugs according to another garage, Failing service with XXXX I advised XXXX NOT to pay the charge of {$440.00}. XXXX has neglected to respond to my request for refund and chargeback, Received several phone calls from XXXX customer service employees XXXX and XXXX XXXX. They were to investigate. Somehow XXXX discovered that I had additional expense of $ XXXX.and sent me a check for same. I told XXXX about this as it proves guilt and liability.

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 monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt for a Insurance account via XXXX XXXX XXXX XXXX. I do not recall ever having insurance with XXXX XXXX and have tried repeatedly to get proof the debt belongs to me by requesting a contract from XXXX XXXX XXXX bearing my original signature. XXXX XXXX XXXX  has been unable or unwilling to provide this information. I have reported to all 3 credit bureaus that XXXX XXXX XXXX has been unable to provide this information and the debt still remains on my credit. XXXX XXXX XXXX is also reporting false information on the date this account was opened and closed. According to the statement I was sent, it was closed in XX/XX/XXXX and XXXX XXXX XXXX states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to remove these inquiries that these two companies have been putting on my report XXXX and Experian are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the immigration entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.

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 2017-07-13 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: CA

Complaint narrative:
I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all   XXXX   credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.

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 2017-07-13 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: CA

Complaint narrative:
I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.

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 2017-07-13 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: CA

Complaint narrative:
In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/XXXX   $  XXXX  I called the company and tried to get them to fix this issue and apparently nobody knows how to fix the issue or what the actual issue is.

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 monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also  reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.

Company response to consumer: Closed with explanation