vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Harvard Collections, LLC
State: TX

Complaint narrative:
This debt has already been previously disputed and deleted from my credit report. This company continues to sell this debt to other companies. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt  collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 
XXXX XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had my loan with Citi Bank since XXXX. I was no the rapid pay, by paying morgage every two weeks. In XXXX I was laid off of my job and I contacted Citi about refinance for a lower rate. My rate is 9 % and from start of loan until XXXX I was never late. They never lowered my rate. In XXXX I asked for assistance and was told, I could do a short sale on my home that I had not missed a payment on. I lost all my savings, and XXXX k paying my mortgage when I did not have a job. I became employed in XXXX. I was totally broke by then and I struggled to pay house hold bills even though I had a Job. I turned off phone, cable and did not go on any trips for over a year. In XXXX XXXX I was informed on XXXX/XXXX/XXXX that my check was returned NSF. I was never called about this, when looking a my bank statement I had more money than I thought and I looked for my mortage payment and it was not taken out I called Citi and was told I had to pay for XX/XX/XXXX through XX/XX/XXXX payments and fees from the attorney. While speaking to the agent, they was calling the wrong number and sent information to wrong email account. I was not notified of a Forclosure until XXXX/XXXX/XXXX. When I asked for my represenative she was very rude and short with me. I provided her with correct conact infomation and she gave me the attorney number and said I could do a short sale. I only owe {$69.00}, XXXX. I have asked XXXX to allow me to continue every two weeks payments so I could keep payments up and get out of debt, and was told " no we dont have that program anymore '' I feel that Citi is not helping me and want to take my home. I have not been given a court date to dispute the Forclosure. I would like my original payment of every two weeks and an new support person for assistance.

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 2017-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second CFPB complaint regarding this company. I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this INCORRECT information on my report. They have consistently ignored my request for proof and stated that the items were " verified '' and UPDATED and to view my report, when in fact no updates have been made. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TX

Complaint narrative:
Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On or around XX/XX/XXXX I purchased blinds for my home from JCPenny for around {$900.00}. At the time it was advertised if you open a JCPenny credit card this purchase would be 12 months interest free. At the time of opening the credit card the online service was not working and the store sales person asked me to call XXXX XXXX ( the servicing credit card company ) in one week to explain the situation and have the purchase coded as a 1 year free interested purchase. 

On or around XXXX XXXX I contacted XXXX XXXX  and spoke to an agent that told me me purchase would be coded as an interest free purchase. I should continue to make the minimum balance payment but all interest charges would be reversed. My next statement would not be correct but the XXXX statement would reflect the correct rate. 

My XX/XX/XXXX statement arrived which did not have the correct interest rate but this was explained that it might take until the next statement date. 

My XX/XX/XXXX statement had an interest charge had been applied and the rate was still set at 26.99 % for my purchase not 0 %. I contacted XXXX XXXX and they said the previous agent had not corrected the transaction but this agent would. She again said to pay the minimum payment and it will be corrected. 

Today, I opened my XX/XX/XXXX statement and I am still being charged interest at 26.99 %. This is nearly 90 days after the purchase and still a fraudulent charges of interest on my account.

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 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have sent multiple letters to this company Diversified Consultants in order to verify a debt they alleged I owe in the amount of XXXX. I have yet to get any correspondence from them in over 30 days. This is affecting my credit and giving me financial distress. They have not verified the debt or validated it and by law if no correspondence to my request in over 30 days this alleged debt has to be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about 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 2017-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.

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 2017-12-08 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: CA

Complaint narrative:
I filed a complaint { XXXX } on XXXX-2017 because Equifax refused to remove my authorized user trade-line. Besides my authorized user trade-line, I also have other XXXX XXXX accounts that are not authorized user accounts. Equifax deleted account XXXX - {$24000.00} - XXXX XXXX XXXX XXXX as instructed ... however they deleted all of my XXXX XXXX accounts to cause me harm. I called and spoke with a manager to no avail. He was very rude. I need Equifax to place my accounts back on my credit report. The account numbers are XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... all are XXXX XXXX XXXX XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I recently reviewed my XXXX, XXXX, and XXXX  credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company. 

In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract. 

With NO VALID CONTRACT, this company has no right to place any information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: CA

Complaint narrative:
Equifax still continues to have the XXXX XXXX XXXX on my credit report. I have advised them that this is the same debt and loan that XXXX XXXX XXXX XXXX sells and resells over and over to create a negative report even when the original loan was back in XX/XX/XXXX -XX/XX/XXXX.This is against the law. 
Numerous complaints have been filed with CFPB : XX/XX/XXXX- XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX Equifax still has not removed XXXX XXXX XXXX from my credit report. This negative report continues to ruin my chances to refinance my home.

Company response to consumer: Closed with explanation