vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: VA

Complaint narrative:
The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

The CRA TransUnion, XXXX, and XXXX are not conducting reasonable reinvesting with XXXX serving regarding credit history from XXXX to XXXX regarding student loan debt. 

All loans has been in a current status from XX/XX/XXXX-XX/XX/XXXX and never late. Two student loan were report as being paid in full in XX/XX/XXXX but has been deleted from my credit report with the three CRA. 

On XX/XX/XXXX all accounts were paid in full but were delated by the three CRA due to my XXXX and race. 

The bankruptcy case was closed and discharge in XX/XX/XXXX and hasn't been removed by XXXX. The collection item with XXXX is not accurate information and XXXX has not investigated the matter. 

TransUnion has not investigated the credit history with XXXX serving from XX/XX/XXXX- XX/XX/XXXX. 

XXXX has delete my credit history with XXXX serving after the account were paid in full on XX/XX/XXXX. 

All inquiries are fraud and were I didn't give my consent to anyone but XXXX XXXX XXXX. 

Under the FCRA, CRAs have a duty to follow reasonable procedures to assure the maximum possible accuracy of consumer information when preparing a consumer report. 15 U.S.C. 1681e ( b ). In order to maintain a cause of action under 1681e ( b ), a plaintiff must show that : ( 1 ) the CRA negligently or willfully failed to follow reasonable procedures to insure the accuracy of the credit report ; ( 2 ) the information was inaccurate ; ( 3 ) there was an injury ; and ( 4 ) the injury was a result of a failure to follow reasonable procedures.

XXXX, TransUnion and XXXX has not provided any evidence to establish that the did an investigation under the FCRA regarding all dispute from XX/XX/XXXX-XX/XX/XXXX. The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

I haven't received any results from the CRA under the FCRA regarding my student loan dispute.

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 2019-04-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Today is XX/XX/XXXX. I ordered by phone a free credit report from Equifax on XX/XX/XXXX and still have not received it. This has happened before to my husband with Equifax on XX/XX/XXXX. I don't know whether it was mailed and delivered to someone else, thereby exposing my private financial information to someone else or that is was never mailed out. I like to order online but frequently I am rejected without explanation. The message says that they can't provide it online to me and that I must call. 

My husband complained to you back then and nothing was resolved. How much longer will this ineffectiveness go on?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
Several issues with payment count due to issues on their part several were corrected but Payment counts are still incorrect. They requested request in writing to be uploaded to my account. This was completed the first issues were corrected but i have been waiting almost a year ( XX/XX/2018 ) for a recount and correction. Payments have been completed on both subsidized and unsubsidized loans equally yet counts are off by varying amounts with Max different of 12 payments. I feel as though 10 months is ample time for this to have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I received a update on my credit report from this company call LVNV FUNDING. I was not notified of this debt from this company nor given a 30 day notice to dispute. This a violation to my credit report. The debt, that this company is collecting is debt from XXXX XXXX credit card that has already been removed from my XXXX credit report due to the company not providing proof of this debt. I request this company provide proof of debt an address that I was informed of this debt. I have no financial obligations to this debt an I will show proof that it was removed from my credit report. An this was sold to another company without knowing the implications of the debt that was already disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: IN

Complaint narrative:
I have a collection from XXXX XXXX XXXX for {$960.00} from XXXX XXXX XXXX. I do not use this hospital. Ive never received a bill or a call in regards to this bill. Called this collection company and can not get ahold of anyone. I have been repairing my credit for awhile and pay on all of bills. I am trying to purchase home for my children and I want to remove this. I have been trying to reach someone for over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX of this XX/XX/2019 I received a letter by mail. For a reduced payoff in the amount of {$670.00}. I had agreed to the payoff settlement. But after checking online through XXXX. XXXX XXXX  a partner of Navient had closed and transfer the accounts to XXXX. I would get and received calls threatening me with wage garnishment and taking my taxes. I can't believe I got scam again and they took the money out from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, My XXXX Account was Stolen for the amount of XXXX USD and was Wire Transferred to a Bank Of America Account XXXX, XXXX XXXX. Since then i have not received any information as to what has happened. Last time i spoke with Bank Of America they were investigating money laundering going on. Its been a couple of years since the incident and still dont have a word as to what has happened. Ive contacted both banks and no response. XXXX   is still holding me liable for what happened on my account. Ive taken both banks to small claims court citibank stated its hard to hack a bank account and bank of america stated i should be suing the person XXXX XXXX in which i do not know where this person lives.

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 2019-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
on XX/XX/XXXX Selene Finance was billed for my home owners Insurance for {$1500.00} my escrow for tax and Homeowners Ins. account balance was {$2100.00} Selene payed {$1000.00}. In XXXX and XXXX Selene payed the full amount .Selene never contacted anyone. Thats why selene never received a proof of coverage selene neglected to pay the full amount. I contacted XXXX XXXX customer service phone # ( XXXX ) XXXX. XXXX XXXX sent me a letter, Insurance was Cancelled for lack of payment. I also called my insurance agent stated they were never contacted and the insurance limits were up to date, amount {$150000.00}. Selene put me on force placed Insurance XX/XX/XXXX at {$220.00} a month. My mortgage cost went from {$550.00} to {$710.00}. Hurricane Irma did damage to my home I still don '' t have air conditioning and 2 damage windows and roof leak which made a mess of back bedroom. I have tried to talk to Selene with no help. Then I started to get letters from Selene that my Homeowners had cancelled XX/XX/XXXX and I was getting force placed Insurance for loan amount XXXX would cost {$110.00} monthly. I was unable to get my own Insurance because of repairs which needed repaired. I was curious if Florida statue 501. 137 would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/ 2018 i went to Best Buy with the intention to buy a new computer and apply for the credit card that best buy offer throgh City bank. Best buy offer this credit card for people with good credit and cero anual fee. I applied because i have excellent credit fico at over 800 and history over 15 year without missing a single payment. So my credit is good, that is what i thought! My application was denied and employee call the bank to find out. Because he got a code saying that he needs to call them. When he call the bank, the bank asked to speak with me. The bank told me that they can not approved my application for that specific card but they have a better offer for me with a better card with rewards but have a anual fee. I told them that i do not want a credit card with anual fee, but want that i have applied for. The bank said he can not offer that one but insisted to get the better one with anual fee. So the bank ask me if i declined to take the card with anual fee, and said yes. I left best buy without a credit card and with a hard inquired in my credit. They told me that i will received a letter in the mail why i was denied credit and disputed with credit bureau. I called XXXX and they told me that they dont approved or denied credit, they only sent my info to the bank and they made the decision. So i called the bank and ask for explanation but i was told they dont have that i formation and i need to contact the credit bureau. So at the end i could not get information why Citi bank denied me the credit card that i applied for but instead offer me as they said a better one with rewards but has a anual fee.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX  AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX 1959 XXXX XXXX XXXX contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX Wheat XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send notice of a cease and desist to all creditors until documentations are properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I opened an account with XXXX in XX/XX/XXXX. Proof of this can be seen on my credit report which has the dates of their inquiry on XX/XX/XXXX and XX/XX/XXXX. I do not know why they checked it twice as a hard inquiry. But my complaint is in regards to the collection of a past due bill. This illegitimate bill includes services already paid for and for equipment that had been return to the XXXX store in XXXX, MN in XX/XX/XXXX. This is when the service was canceled and I had moved to a new address. The new address can also be seen on my updated credit report as proof that I had moved, and then consequently canceled the service with XXXX. It is now XX/XX/XXXX and the collection company used by Comcast, Waypoint Resource Group LLC in Texas, suddenly reported it as not being paid more than a year after the service was canceled and paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: WV

Complaint narrative:
I disputed a report on XXXX a XXXX XXXX XXXX account it was deleted after 30 days under the FCRA and WV Law then a few weeks ago I pulled my XXXX  report and that report was illegally reinserted back on my XXXX  report this report is totally inaccurate and it should have never been reinserted after 30 days and its removed its supposed to never be put back on my XXXX  report the bank had 30 days thats the law they didnt verify it it was removed and should have never been put back on file if this report isnt permanently removed immediately I plan to initiate a lawsuit against XXXX that report made me have a XXXX XXXX under dr care now causing me XXXX XXXX XXXX XXXX and XXXX I want it removed immediately or I am proceeding with a civil lawsuit in US District Court against XXXX also XXXX  didnt tell me how it was supposedly verified they put in a letter a XXXX XXXX XXXX with a XXXX XXXX XXXX address as the verification I never been to Cali so how is someone in California verifying a XXXX XXXX I want this removed immediately!

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