vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages th  at I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored m  y request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any o
f the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of a  n updated and corrected credit report showing that these items have been deleted.        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 2017-05-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may cons  titute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also h ave 2  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

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 2017-05-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
An associate  XXXX   XXXX  at USAA bank sent to my   XXXX   XXXX   credit card account an after  XXXX  stating that my payment to my credit card were fraud. Which was not true I made them payments and they were legit.   XXXX   XXXX   credit services   sent back to USAA my payments fr om  XX/XX/XXXX  thru  XX/XX/XXXX  the amount of {$1400.00}. USAA have received the funds since  XX/XX/XXXX . U SAA has not return my funds to my account as of yet. I have called and complained for over a year now. No return calls or any contact. A representative from CEO 's office gave me a number  XXXX   XXXX  at  XXXX   Extension   XXXX  that she do n't answer or return calls at all. They asked for documents stating they have my funds and I faxed them   XX/XX/XXXX .That was not accepted they wanted the credit card services to fax it to them and the y did so. This issue has gone over a year. They interrupted my credit card without my permission and without notifying me. Made   XXXX   XXXX   return my funds and kept the money, that is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX     XXXX    XXXX  VA  XXXX  #  XXXX  dob  XXXX / XXXX /  XXXX   Transunion,  XXXX  and   XXXX    will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: OH

Complaint narrative:
There is a account that is listed inaccurately on my credit report for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Experian and  XXXX  have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   XXXX   XXXX . I have attached a copy of the  Court Record. There is a error please Delete the misinformation.    Th is is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.

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 2017-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
NATION STAR FILLED A SATISFACTION OF MORTGAGE.   I NEED A LETTER FRO M NATIONSTAR WI TH THEIR LETTER HEAD STATING THAT I OWE NO MORTGAGE WITH MY NAME ON THE PROPERTY  XXXX   XXXX   XXXX   NATIONS STAR 'S   COMPUTERS STILL SHOWS I HAVE A MORTGAGE i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with  XXXX . this doc was available in  XXXX . I downloaded the satisfaction of mortgage doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 months now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I requested to wire money from my  Citi checking account to my   XXXX   XXXX   account. On    XXXX  I received a message to call  Citi to confirm the wire. Citi refused to wire out the mo ney, even though beneficiary is myself. They do not want me to get my money.

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 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.          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 non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP
State: OH

Complaint narrative:
I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On   XXXX   XXXX   XXXX  ,  XXXX  Validation of Debt letters were sent to  Commonwealth Finance (  Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on   XXXX   XXXX   at  XXXX  pm for  XXXX  minutes,  XXXX  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  3  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on   XXXX   XXXX   XXXX   due to  Commonwealth Financial  failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on    XXXX   XXXX   XXXX    regarding the other  two  amounts. During this entire time,  Commonwealth Financial  has still refused to send me any validation of these debts and according to  XXXX , is still claiming that these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am having a problem with my  Chase  Credit Card. Back in   XXXX   XXXX   I started getting charges on my  Chase Freedom Visa  credit card. The amount was for {$9.00} from "  XXXX   XXXX   XXXX  ''. I have been getting these charges all the way through   XXXX   XXXX   despite contacting  Chase   three  times. This company is  one  that I made a legitimate software purchase on   XXXX   XXXX   XXXX  . Apparently they decided to use my credit card info they had on file to fraudulently charge me {$9.00} per month forever. I never authorized this. I have spoken with  Chase  Credit Card services  three  times. The first time they said I would be reimbursed for all charges from My Choice Software and I was asked if I wanted to block all future charges and I said yes. I never received credit and called a second time, I was reassured my credit was coming. I got the credit but the first 3 months were not credited (  XXXX ,  XXXX ,  XXXX   ).  I got credit for  (   XXXX ,  XXXX ,  XXXX ,  XXXX  ) on the  XXXX  statement. When I called to ask about the first  three  months, I was told they were from too long ago. https : //www.chase.com/digital/fraud-security? wcmmode=disabled is Chase 's statement on  fraud  protection. There is no time limit listed on this page and I was first told I would receive credit for all charges. What 's even worse is they are still accepting charges from  XXXX   XXXX   XXXX . I have received new {$9.00} charges in  XXXX ,  XXXX ,  XXXX . I do n't know what to do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AL

Complaint narrative:
I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.

Company response to consumer: Closed with explanation