vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 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: TX

Complaint narrative:
Please be advised 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 two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
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. 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

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 2017-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: NC

Complaint narrative:
I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 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: NC

Complaint narrative:
I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : 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 2017-11-19 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: NC

Complaint narrative:
It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : 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 Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.

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 2017-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX.  She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer. 

Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice. 

I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account. 

Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.

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 2017-11-19 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Collectors Name : Portfolio Recovery Associates, LLC. 
Collectors Address : XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number XXXX After checking my credit report on or after XXXX XXXX, 2017, I noticed that PRA placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. 
I made several attempts by contacting PRA by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager XXXX XXXX could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. I am still 3 to 4 phone calls every day, and I saved the call logs and all the voicemails. I do not believe that I am liable to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: IL

Complaint narrative:
Equifax has not properly investigated the following issues on my credit report. Any claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ( initiated XX/XX/XXXX ). Please see items below ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT XXXXXX/XX/XXXX XXXX XXXX XXXX. XXXX CH-XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT COLLECTIONS XXXX XXXX  XXXX XX/XX/XXXX PAID XXXX XX/XX/XXXX {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: NY

Complaint narrative:
There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success

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 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On the XXXX XXXX, 2017. I applied for a credit card in Santander bank, but i was denied because my credit score shows XXXX ( XXXX ). I am confused because I banked with santander bank and there is no way I can build a credit if i do not have a credit card.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XXXX 2017 when Equifax had its security breach I have not been able to resolve my issue. I would call the number I was told after being on hold for sometimes over 2 hours and I would call XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is just some of the numbers I have been given by people that work for company. Equifax has given free service for Trusted I.D . and I have tried to go on the web site and tried to print my report which it says I am able to do but yet it wo n't work and one person tells me that I have connected to the wrong number and they give me another number and that person will tell me the wrong number and give me another number and so on. I have spoke to numerous supervisors and still with no results, I e-mail them and takes weeks to get a reply back and it says they ca n't call me but to call customer service at number ... ..and again I get no where. can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on 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 explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Company wont let me link bank to other sources, to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am continuosly getting phone calls and letters stating I did not make my XXXX 2017 payment to Navient. I have it set up automatically through my bank online to make monthly payments of {$200.00}. My bank, XXXX XXXX, records show the check was cashed on XX/XX/XXXX. I sent the records to Navient and they have not fixed the problem. I have spoken with customer service on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to no avail. On XX/XX/XXXX, I faxed the neccessary paperwork from my bank proving they cashed my check on XX/XX/XXXX and they have done nothing about it.

Company response to consumer: Closed with explanation