vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 
The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as the law requires!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: OH

Complaint narrative:
i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX   ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: DISCOVER BANK
State: CA

Complaint narrative:
Date Purchased - XX/XX/2018. 
Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. 
The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. 
Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2018 TransUnion completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how TransUnion could have verified the account information when I, myself, have contacted both XXXX XXXX XXXX and XXXX XXXX on two separate occasions and received no response. Once was through direct mail,  the other through the Consumer Financial Protection Bureau. Both companies have failed to provide a response to my inquiries and demands for validation of the debt they seek to collect. XXXX XXXX XXXX only appears on my TransUnion report and XXXX XXXX was disputed with XXXX and XXXX. Neither XXXX or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation to XXXX XXXX XXXX and XXXX XXXX. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The companies never sent the information but continued to report the information. For your convenience I have included a copy of the deletion transcript provided by XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX XXXX and XXXX XXXX, I would like to know a detailed description of how TransUnion, verified the 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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my  wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of 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 2018-09-08 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:
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 

The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as the law requires!

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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the  responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as  per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: SC

Complaint narrative:
I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXXXXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXXXXXX XXXX from me. 
Credit Report showing the inaccurate 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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
MY XXXX XXXX  credit card was expired. I don ' 't need to renew my credit card. However, the company continue to late charges. I never use the credit card and not owe any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
After Suntrust bank purchased our home loan, we found out that only the primary loan holder can have an online account with access to a mortgage that my partner and I share. She is listed as a co-borrower but we have equal ownership of the home. 

This is an issue because both of us need to independently be able to access the account. We are equal borrowers on the loan and it is ridiculous that only one of us can create an account to access loan information online. Especially since we each were able to have login information prior to Suntrust purchasing our loan. I have called the Suntrust customer service number 6-7 times now from XX/XX/2018-XX/XX/2018 to file a complaint about their online banking system. On XX/XX/XXXX I was told that my case complaint had a Case ID of XXXX by a girl who listed her phone extention as XXXX. On XX/XX/XXXX I called back and no one could find record of that Case ID, which leads me to believe that a case complaint was never filed. When I asked a different representative to file a complaint they said they couldn't do so because it was Suntrust 's policy to only allow the primary loan holder access to the online account, even though, again, my girlfriend and I are equal owners of the loan. 

I emailed their customer service team online about the issue on XX/XX/XXXX and still have not gotten a reply.

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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of 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 explanation
Consumer complaint received 2018-09-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I've filed a dispute with Transunion and XXXX requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than XXXX  years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were XXXX years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by 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 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied and recived an American Express Platinum card on XX/XX/18 with a XXXX membership rewards with $ XXXX spending in 3 months promotional offer. I thought I had completed the spending requirments on XX/XX/18 when the bonus points posted to my account. In XXXX I receved a letter from american express dated the day my 3 month promotion period was over ( XX/XX/18 ) saying that I didn't meet the requirments and that they are taking back the bonuse points. I called american express on XX/XX/18 when I got the letter after getting my mail from being on vacation and was told that because a company did a refund during my 3 month period so I didn't meet the requirments. I asked why I was not informed when this happened which I belive happened around mid-XXXX so I could make up the spending, and was told that they don't work in billing so they don't know.I also asked if there was a way to make up for it because I was not informed about it when it happened and that I will not be eligible for an offer on this card again in my lifetime, and was told that once the 92 days are up there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: SC

Complaint narrative:
I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted

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