vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Synchrony Bank has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Synchrony Bank has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX  balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I submitted my request for my " annual free credit report '' but instead of getting a timely copy of my credit file. I was informed by " Trans Union '' that they have lost and or misplaced my credit data ; in other words my information has been compromised by " Trans Union ''. They have either intentionally or by willful negligence purged my credit file. As you can see from the document requesting my free report my identifying information is quite lucid.

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 2018-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX has repeatedly misrepresented that i : owe monies to it when i : don't. 
There is a form demanding disclosure of the certificate holders and a requirement that they file an affidavit stating that they are beneficiaries of the deed of trust and agreeing to which other beneficiaries, owning more than 50 % of the beneficial interest under the deed of trust may represent all of them. 
Since there is absence of an agreement then that all holders of the certificates must be disclosed. If someone claims to represent the holders of certificates that party would need to show the source of its authority to directly represent the certificate holders. Please note that certificate holders are not, contrary to popular error, beneficiaries. 

Since XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX by and through its silence has admitted that the beneficiaries are nonexistent of a non existent REMIC Trust, then why is it i : am being harassed, intimidated, stalked and threatened by XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX and its culprits? 

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX must either comply with California Civil Code - CIV DIVISION 3.  OBLIGATIONS PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS TITLE 14. LIEN CHAPTER 2. Mortgage ARTICLE 1. Mortgages in General 2941.9 Universal Citation : CA Civ Code 2941.9 ( 2013 ) as stated above OR quite the title to my private property, stop harassing, intimidating, demonizing, stalking and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased tickets through an ad I found on XXXX. I asked the seller to use XXXX but he insisted on XXXX. Because XXXX is backed by Wells Fargo I assumed it was safe. Also it is not clear that they do not offer fraud protection. I paid the person {$250.00} and no tickets were ever given. I have contacted XXXX as the tickets he sent me photos of were from them and also contacted my bank Wells Fargo. WF told me they would not do anything until I filed a police report. The police would not file a report and told me to file with the fbi. I have since filed a report for fraud and scam with the fbi but Wells Fargo will still not help me or back the purchase.

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 2018-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.

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 2018-12-11 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: AZ

Complaint narrative:
I received notification from XXXX XXXX and XXXX XXXX in regards to the recent data breach. I was informed by XXXX XXXX that my personal information was compromised. The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, {$590.00}, fraudulent credit inquiry : XXXX XXXX, XX/XX/2018.

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 2018-12-11 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: NV

Complaint narrative:
ok! trans union reports are incorrect! it has negative items that should not be there!!!

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I went to check my credit score and I see that there's a medical debt owed to the American Adjustment Bureau in the amount of {$2800.00}. I was not aware of this because I do not owe this. There is no documentation with my signature proving beyond reasonable doubt that I have agreed to pay the company. I don't even know how the company obtained my medical information. They can not prove that I authorized them any type of written consent to obtain my medical history, therefore they are in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX automotive account appears to have been closed. 

There should have not been anything allowed to be processed on my credit file because it was frozen and i have NEVER done business, nor heard of the first two companies listed. The third account was closed as Fraud but also listed as CLOSED which is incorrect, I  have called and disputed with Trandunion, as well as disputed online. Police reports have been filed, i filed an identity theft report with the FTC ( at their suggestion ) and also placed a fraud alert on my account, The security freeze was lifted, there is no fraud alert on my account ( The other two CRA 's did it the same day it was requested ) and whoever has access to my information is still being allowed to drag my score down,

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 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 Portfolio recovery association is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 Portfolio recovery associates is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Portfolio recovery associates is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below 600 credit score bad. I really need help with this. Its preventing me to live my life : (

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've been trying to get access to my credit score, but everytime I do, only XXXX, and XXXX are able to give me my score. I've tried to call Equifax and they always tell me that they couldn't access my account and to send a copy of my social and a copy of my ID. I've sent it more then 10 times in the last 3 weeks. I need to buy a house soon and this is the only thing holding me back. Im getting to the point where I want to sue them for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (

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 2018-12-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-11 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: GA

Complaint narrative:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX 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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: GA

Complaint narrative:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : 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