vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CT

Complaint narrative:
I monitor my credit reporting on a regular basis, and received alerts of hard credit report inquiry pulls for different institutions at the big three credit reporting agencies ( CRA ) ( XXXX, XXXX, and, TransUnion ). These applications were for new credit cards. I put a freeze on all three of my files, as well as a fraud alert. I contacted the financial institutions to let them know and file a fraud dispute for the applications and hard credit pulls, and I contacted each CRA to dispute them. TransUnion was the only entity that refused to open a fraud investigation related to the fraudulent application received by XXXX XXXX XXXX. There were no issues with XXXX XXXX XXXX starting a fraud investigation on their end. TransUnion stated that I had to submit my fraud dispute in writing AND I had to get a letter from XXXX XXXX XXXX on their letterhead and submit it in writing as well agreeing with the fraudulent application. OR, I had to file a police report and submit that with an affidavit with my written fraud dispute to TransUnion. I understand following up in writing, but I dont understand how it is correct or reasonable for myself to acquire third party paper letters, file police reports, etc., to submit at the same time for TransUnion to even start a fraud investigation into the hard credit pull. When I asked the TU agent to escalate the issue and if I could speak with a supervisor or manager about my concerns, the agent said none were available and thats the way it is. The date of the fraudulent hard credit pull at TU from XXXX XXXX XXXX was, Sunday, XX/XX/2021. TransUnion is the only institution that I had any issues with or that refused to initiate the fraud dispute or require third party paperwork. Im the fraud victim. I saved all the screenshots of my online chat with TransUnion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations Midland Credit Management has made in their attempt to collect this debt from me. 

I am fearful that Midland Credit Management will continue to make threats against me and harass me in relation to the alleged debt. I have sent Midland Credit Management a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Midland Credit Management, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have filed a complaint in the past about Goldman Sachs incorrectly reporting my credit card status the the credit reporting agencys and it had been resolve up until today This morning i woke up and Goldman Sachs reported back to the credit agencys that i have negative history ( late payments ) dating back to when the card was closed to XXXX of this year, even though the card has been closed for over a year and his been paid off for 8 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX-XXXX-Balance {$660.00} XXXX XXXX XXXX-XXXX-Balance {$6500.00} XXXX XXXX-XXXX-Balance {$9900.00} XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-XXXX-Balance {$300.00} XXXX-XXXX-Balance {$2300.00} XXXX-XXXX-Balance {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NJ

Complaint narrative:
There is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( XXXX and Experian ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.

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 2021-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
My 5 year old mortgage is with USAA and is serviced by XXXX. Last year I purchased land across the street but not attached to my land and I paid cash. I have the deed. I am a 100 % XXXX Veteran and have a exemption on my home and land from property taxes. 

USAA has the documents and I have not paid taxes out of my escrow and always receive a refund at the end of year because I do not pay property taxes on my home and land. 

Last year USAA paid my property tax for the land I bought out of my escrow!!! 

I worked on this with them as well as my local tax office for months. They have my home parcel number on my land across the street in their system I have spent weeks complaining to USAA and have been assured it was corrected last year by USAA. 

However after logging on to check because taxes are paid here in XXXX and XXXX and it is still showing as they are about to pay taxes out of my mortgage escrow on land that is not attached to my home or mortgage and I have the deed for that land. 

I am beyond appalled and frustrated. I have reached out to them yet again and spent several hours once again on the phone with USAA and XXXX. 

They have assured me the problem will be fixed but as you can see by the attachment it is still showing as they are ready to pay taxes on land out of my mortgage escrow that is not attached to my mortgage! 

USAA used to be among the best for XXXX but they simply no longer care to fix their troubled systems. 

This should be extremely illegal and I think about older Veterans who have no access to internet and have no idea this is happening to their escrow accounts. 

I have attached a screen shot of my escrow, parcel maps showing my home and my land across the street. 

You can clearly see they are using my home parcel number to pay taxes on my land across the street. 

Once again I am totally exempt from paying property taxes on my home and land but I am required to pay taxes on my land across the street that I paid cash for and have the deed so it should not ever be paid out of my mortgage escrow! 

Thank You!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX XXXX XXXX Lastly, after doing so, XXXX XXXX still sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My fiance deposited his check into our account with them on XX/XX/21, and they still have not cleared it as of XX/XX/21. I called XX/XX/21 to see what the was up, and they said that they flagged it for being " double cashed '' ( which is not true because we absolutely did not try to double cash it ), and that it would clear by XX/XX/21. Nope. Still not cleared. We have now received a {$30.00} bounced check fee, and a {$20.00} late fee from our mortgage company. I will be filing this complaint with the CFPB as well. If they refuse to pay the fees caused by our mortgage company, we will be taking them to small claims for all of the fees they caused, and for holding our money under false pretenses.

Company response to consumer: Closed with monetary relief