vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was informed by my credit union while attempting to make a personal loan around XX/XX/2017 that Equifax was reporting that several accounts were under investigation when my credit report was pulled for the loan I was attempting to get. I called Equifax that same day and notified them that I had not requested these investigations. Equifax stated the items that was under investigation would be removed at the end of the 30 day period. On today my credit was pulled by a mortgage company, they told me I had a high number of items that were current under investigation and that I could not get a loan while the items were under investigation. It's been almost 5 months since I contacted Equifax about this problem and it has not been corrected yet. It is interfering with purchasing a home for my family and needs to corrected as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > 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 2018-03-26 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.

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 2018-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been having trouble with Navient for years. In XXXX I made a substantial payment. I thought I paid off my account in its entirety. The company even wrote to the credit burial that I was paid off. I finally was able to reach some help in XXXX after writing a complaint here. I submitted the complaint in XX/XX/XXXX and didn't get feedback until XX/XX/XXXX. I have paid Navient XXXX much of it while still in school and even more right after the interest period started. My original loan amount is XXXX. I want them to explain in detail showing the math how it's possible that I owe them XXXX. They claim that I overpaid my account by XXXX Instead of applying it to another loan they sent me a check. I told them that I was living in XXXX to volunteer at that time, I told them before I moved there. I want to know where they sent the check to. Now I have accumulated on my account for amounts that I don't even owe and they haven't taken that off. Furthermore, they have added this incorrect bill to my credit score causing it to go down. Can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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 — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I went to open a Bank account and once they ran the XXXX 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to XXXX on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter onXX/XX/XXXX requesting that they send me proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
XX/XX/XXXX-XX/XX/XXXX. 
This college is part of the XX/XX/XXXX Lawsuit. 
Their credits were useless not able to transfer college units plus their studies were incomplete and they were giving a degree an XXXX XXXX After incomplete after incomplete studies. During around XXXX  close their doors Those students were forgiven of their student loan. I was not forgiven of my student loan because I was not a student in XXXX. 
That should not matter Because they were also in violation when I went there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I returned a gun safe to Costco and Capital One has not sent me a check for the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX   and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Adjustments Inc
State: MA

Complaint narrative:
After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments. 
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me. 
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day. 
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.

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 2018-03-26 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 — Problem with personal statement of dispute
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, 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 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 2018-03-26 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.

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 2018-03-26 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: HI

Complaint narrative:
I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 2018-03-26 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: HI

Complaint narrative:
I am writing to file a formal complaint against Equifax, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Equifax has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Equifax, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on 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 2018-03-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA 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 2018-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
" As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT

Company response to consumer: Closed with explanation