vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.

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 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this  account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.

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 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I received numerous calls from XXXX XXXX XXXX. They are claiming that I owe money. I returned their call, and ask them 1. Who are you- 2. Who do you want to talk to. I received no response to my questions, but they just keep on calling. Also I said that if I owe money send me a letter and I will pay it-if I owe anything. Again no response. I am XXXX years old with a XXXX XXXX- and would like for them to tell me something or stop calling me.. If we are a nation of laws - then this abuse of their power must be stopped.. XXXX XXXX disconnected me- after they failed to justify why they were calling 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 2018-06-21 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: CA

Complaint narrative:
I have received 2 letters from XXXX XXXX XXXX demanding payment for a company I have never heard of in a state I have never been to. they are threating to report me to credit reporting services etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR Recovery Services LLC has illegally tried to re-age my account. ABR claims that my account was opened on XX/XX/XXXX, when in fact it was opened XX/XX/XXXX as proof by the ATTACHED LETTER BY XXXX for them to READ once again. They also claim this was charged off XX/XX/XXXX which is also incorrect as stated by the original creditor, XXXX. The letter has been attached to this complaint and has been sent to them. The account date of 1st delinquency was XX/XX/XXXX. The credit bureaus maximum reporting time is 7 1/2 years from that date as explained by XXXX. That would put this account well past the statue of limitations on reporting this account on my file. This account was not charged off by XXXX XX/XX/XXXX as ABR Recovery Services has falsely claimed. Their information is either incorrect or they are knowingly trying to re-age my account to try to collect a debt I am no longer liable for. 
ABR RECOVERY SERVICES, PLEASE READ THE ATTACHED LETTER BY XXXX PROVING THAT THIS ACCOUNT IS PAST THE AMOUNT OF TIME IT IS ALLOWED TO BE REPORTED TO XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Re : XXXX To Whom It May Concern : I have reached out to Diversified Consultants several times, certified mail, via fax and email with no response.

This is not a refusal to pay, but a notice that their claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party they 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had a XXXX XXXX credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. XXXX issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a XXXX representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore XXXX said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the XXXX account back to my credit file. 

I called an XXXX XXXX at TransUnion ( XXXX ) and he confirmed TransUnion had indeed removed the XXXX account from my file but that he could not reverse that action without a request from XXXX. 

I called XXXX at XXXX ( XXXX Ext XXXX ) and asked her to request of TransUnion that the file be unblocked and to reinstate the XXXX account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

TransUnion advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with XXXX as I would lose some XXXX points for air miles with XXXX 's XXXX XXXX. Additionally, although I still owe some money to XXXX on the old account ( not due until XX/XX/XXXX ) XXXX refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me XXXX can not communicate with me by mail any more. I have not yet received anything at all from XXXX in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Pacific Union Financial, LLC
State: NV

Complaint narrative:
PACUF is reporting " Settled '' on my credit report and it should show PAID as Agreed.

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 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR Recovery Services LLC has reported a 2nd account for collection to XXXX   recently which has incorrect information and has not be submitted to me in writing. This account is being reported as being opened XX/XX/XXXX which is not correct. It also is showing a date of XX/XX/XXXX as the date of 1st delinquency, which is also not correct. With a balance amount of {$1200.00}. This debt is being falsely reported to XXXX  in an attempt to collect a debt that I am not liable for. It is being reported the original creditor as XXXX, with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In the year XXXX I had a problem with Bank of America after they spent several months processing the short sale of my home and telling me it was all set to close in the next month, then they told me they had in fact been processing the whole thing in the wrong department. I was not late on my mortgage ever. However, due to them causing a delay, my buyer backed out and we had to wait several more months to sell our home at short sale. At that point I could no longer continue to pay the mortgage since we had moved from XXXX to XXXX. I had the Attorney General office in XXXX involved. Bank of America said that they would report my credit as " sold for less than full amount '' but NOT show any late payments on the account since they had caused the problem. Then, in XXXX, when trying to purchase a new home, I discovered that they were reporting some late payments, which were from XXXX to XX/XX/XXXX. I contacted them and they sent me back a letter dated XX/XX/XXXX stating that they were notifying the 3 major credit bureaus to update my credit report to " not rated for the period of XX/XX/XXXX to to XX/XX/XXXX ''. Then, in XXXX, when checking my credit report on a random basis, I found that Bank of America once again had my credit report showing " 120 days late ''. I contacted them again and they sent a letter, dated XX/XX/XXXX, that they submitted the corrections to all 3 credit bureaus to remove the comment about 120 days late. 
I found out in XXXX of this year that this was back on my credit report again. I notified all three credit bureaus and sent a copy of the letter from XX/XX/XXXX. XXXX and XXXX promptly corrected the report. I checked my spouses and none of his have this on there, even though he was a co-signer. I have tried to get this corrected with XXXX for the past month and each time they investigate they state that they verified it with Bank of America. I have provided XXXX with the letter of XXXX and today I sent them another request to investigate this and sent a copy of both letters from Bank of America. Last week on XX/XX/XXXX I also contacted Bank of America. This entire credit line is due to come off my credit in one more year. However, I would like it to be corrected and to stay that way for the remainder of time it is on there. This makes a total of 3 times that I have found it wrong on 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 2018-06-21 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: CA

Complaint narrative:
This is a complaint about Experian blocking access by consumers. I spent 45 minutes on XX/XX/XXXX calling 6 different # 's to ask for a temporary lift of my credit freeze. At no time was I able to reach a person-only frustrating telephone trees which did not help me. Even the person who was trying to check my credit could not reach a person ; the number I obtained to lift the freeze could not be used by the lender, so it required phone contact by me to Experian to lift the freeze Finally on XX/XX/XXXX, in desperation, I selected the " fraud '' tree, even though this was not my issue & got through to someone who was very apologetic & promised to relay my complaint to management after helping me. I have a feeling they get this complaint a lot. 
I believe they are intentionally blocking consumer access. Although this is probably the least serious problem you hear about, it's still treating consumers like trash. 
I'm hoping you can do something about this. 
Thanks for being there. I hope the agency can survive the Republican attempts to destroy.

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 2018-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My second mortgage, presently being serviced by SLS, is only in the name of my late husband, who died in XX/XX/XXXX. However, I signed the note, am on the deed, and have been making payments. I have been requesting a payoff for almost a month, since I have some life insurance proceeds to pay off this second mortgage. Today ( XX/XX/XXXX ), I spoke to a representative, who confirmed that I have provided them with my husband 's death certificate, letters testamentary from the county surrogate, and a copy of the deed evidencing my interest in the property, which is all that they need to change over the account into my name. However, he then told me that the company, by law, has until XX/XX/XXXX to change the account into my name, and issue a payoff and that I should wait until then to pay it off. I am a lawyer who practices in the real estate/estate administration field and have never heard of this. Is there anything that I can do to force them to issue a payoff sooner? I am concerned about just sending them an approximate amount, and worried about how long it may take for them to issue a discharge of the mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: PR

Complaint narrative:
Last XXXX I requested that accounts that do not belong incorrectly reported in XXXX, XXXX and XXXX be removed from my reports. To date, this situation has not been resolved, making it impossible to acquire credit

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 2018-06-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
After several times of contacting Experian to investigate these negative accounts, they have yet removed them off my credit report. I asked them plenty of times to verify that the account was mines by sending over the original contract, invoices, or any other legal documents that proven the alleged debt is mines. I also asked for the name, address, and telephone number of each person who personal verified the alleged accounts. Because a employee looking at a computer screen seeing my name on a list in the database is NOT verifying or validating a alleged debt. Also there are a lot of inaccuracies with these negative accounts that do not make sense. Under federal lawsuit XXXX v. XXXX XXXX XXXX 1997, Experian must contact original creditor to investigate and resolve the issue, not me. Attached is the response from Experian for the alleged debt and my dispute letters that highlights the inaccuracies with the account. This will be my last attempt to contact Experian and if the accounts are not deleted I will be forced to take them to small claims court.

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 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc
State: TX

Complaint narrative:
My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. 
Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief