vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked for this to be investigated numerous times, XXXX XXXX ACCOUNT XXXX on the last investigation the 30 days ended XX/XX/XXXX.. 

I wanted to to re dispute adding my FTC identity thief paper work. I tried fax it in the line was busy ... so i went on the web site AND SOMEONE RE OPENED THE DISPUTE XX/XX/14 SO NOW I CAN NOT ATTACH MY FTC PAPER WORK! 

I did not request for this to be reopened until i supplied my more paper work! 
now I can not add it AT ALL according to the rep i spoke to i have to wait 30 more days to reopen and add

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/XXXX, Credco company called to offer to refinance my home. I told the representative and underwriter that i am on bankruptcy but without further understanding my case, they went ahead and submitted a hard inquiry. 

Pls block this inquiry as this misinformed staff just were as eager to get a transaction without considering to protect customers like me who are subjected to a 9 points hit on my credit score as an aftermath of this.

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 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: OH

Complaint narrative:
on XX/XX/2016 selene finance bought my mortgage, on this date I was informed that my monthly payment was going up. from {$770.00} to $ XXXX.I was in chapter XXXX bankruptcy at this time and the new mortgage company knew it from the letter they sent me.This company did not file with bankruptcy courts as bring my new holder or the rise in the paymeny.I informed the company of this, but made no effort to change it.So for the next 14 months I was {$110.00} short, so that comes to {$1500.00} short on my escrow.The company said I am {$4000.00} short.I tried to explan this to them, but I am not getting anywhere wiyh them.If they had followed the bankruptcy laws this wouid not have happened.And somebody needs check their math

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
On XX/XX/2018 I sent a certified letter to AWA Collections requesting validation persuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. The response received was simply an invoice which  did not include any information about my obligations to this debt. 

My next step was to contact the original account holder via telephone, and I was able to confirm that this debt was in fact sent to collections incorrectly, as my insurance at the time paid it off. AWA is refusing to remove the debt from my credit report, and has failed to provide me adequate validation of their legal right to even collect it.

Attached are documents sent to AWA, all other communications have been via telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I noticed this company on my credit report and took actions on getting this matter resolved without any resolution. Starting back in XX/XX/2017, I have reached out by certified letter asking for this company to verify by the two accounts they have on my credit report. The account numbers are : XXXX {$580.00} and XXXX {$490.00}. In said letter it stated that I had no knowledge of the contracts nor did I give permission to anyone to represent me to get said contracts. I requested that physical verification of the original contract and certified consumer contract that is wet ink signed. of any and all accounts that they requested to be posted to my credit report. ( FCRA Section 609 ( a ) ( 1 ) ( A ). Due to the fact that copies are not validation and by law are not considered proof, this company failed to even provide anything at all. Due to their lack of responsibility, these actions have adversely affecting my credit worthiness and as a result I am being denied due to their inaccurate reporting. I demand IMMEDIATE and PERMANENT removal of the two above mentioned accounts from all 3 credit bureaus and their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XXXX was notified of a reinvestigation into my credit report due to an error on the part of XXXX. 

I discovered this when I called XXXX to verify they had no other fraudulent accounts under my SSN at the advise of the FTC. During that call I was advised by XXXX that they closed my XXXX XXXX store card due to this re-investigation. When I inquired into having my card re-issued I was told that not only were they NOT going to re-issue my card, I would not be able to open another XXXX XXXX account until my balance was paid in full. I have had this same card since 2008 and had a perfect payment history over the 10 years my account was open. Finding this COMPLETELY unacceptable, I closed all active XXXX accounts in good standing. 

Over the weekend I received an alert on my credit from XXXX. When I opened it, this XXXX XXXX acct shows on my credit as " Closed BY Grantor ''. I want this fixed IMMEDIATELY as that reason for closing my account has a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My wife and I were in the local mall and stopped in a XXXX XXXX   we were approached by a salesman and my wife showed me a ring she really liked. The saleman told us it was on sale and the store had a promotion whereas we could apply for store credit and get a no interest for three years. So we applied and he told us we qualified for both the store card and the promotion. We bought the ring and had it sent out to be sized. When we came back to pick the ring up the same store clerk told us there was a problem with the no interest part and that we had to call the credit department. We tried multiple time to get this strait and then were told that the purchase was not enough to qualify even though the store told us otherwise. Then we were told the store was closing and they do not take back merchandise. I feel this is a bait and switch technique and should be illegal. I am a XXXX veteran and my wife has XXXX we can't pay the monthly bill as it is now 3 or 4 times higher then the XXXX a month we were told. I just fixed my credit a year ago and now it will be ruined again. I have documents but no way to add them at this time. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
4 years I finances a house with USAA mortgage. The VA process want not bad. USAA told me repeatedly that I would pay XXXX at closing ; actually paid over {$8000.00} including the first mortgage payment that was never applied to the loan. After that USAA turned the mortgage over to XXXX XXXX XXXX. Every year I submit XXXX County tax documents indicating a property tax exemption. Every year XXXX XXXX  XXXX collects the amount of {$140.00}, holds it in escrow to profit interest on it then sends it to XXXX County. And each of the past four years XXXX XXXX XXXX told me to go make XXXX County give me the money back. USAA and XXXX XXXX XXXX are taking my ( possibly many others ) property tax, holding it for investment, making money on it, then paying tax that is not to be paid. This practice needs to stop. To a XXXX XXXX XXXX employees credit in XX/XX/2017, she tried to have a permanent waiver on my account but the processors would not even give her answer of why it was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: NJ

Complaint narrative:
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with Equifax placing an unauthorized fraud alert on my credit report and sending the same request to XXXX  and XXXX. After my last letter, my Equifax scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
On or about XX/XX/XXXX I submitted a complaint to XXXX XXXX to prompt an investigation for identity theft. In XXXX and XX/XX/XXXX loan disbursements were made to XXXX XXXX University ( XXXXU ) in my name. I graduated XXXXU in XX/XX/XXXX and did not return to school to obtain my XXXX until XX/XX/XXXX at XXXX College. When I spoke to the registrar at XXXXU I was informed that classes were registered online through my XXXX ( school ) account for the year the disbursement was made. I never registered for any classes. 

During the investigation the loans that I did take out were placed in an administrative forbearance. On or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing me that the investigation was closed and I needed to submit more information such as a judgement/verdict made in court. I filed a police report and submitted all paperwork required for my complaint. I can not provide a court verdict if I do not know who received/requested these loans in my name. After receiving this information, I inquired about receiving a more detailed explanation as to what was actually done during the investigation and why it was closed. I was told that I should be receiving further documentation in the mail. I waited three to four weeks and I never received this information. 

I called XXXX XXXX again to inform the customer service representative that I never received the requested information although it showed documents were sent to me. I was also informed that the reason the investigation was closed was because signed documents and promissory notes were found matching the signatures of the documents I sent in with my fraud packet. If this is in fact the reason my investigation was closed I refute this as valid reasoning. In my written statement, I mentioned that promissory notes, once signed, cover a couple of years which is why it is not required for students to sign promissory notes for each year. Therefore, I only have two promissory notes and not four for each school year during my time at XXXXU. 

I submitted a request for information requesting again a detailed explanation to why the investigation was closed and the documents the rep referred to that were signed by me. Here it is XX/XX/XXXX and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
this debt does not belong to me. please deleted from my credit report or i will complain to the XXXX and dispute with all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In early XXXX, I sent investigation requests to XXXX and Trans Union. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.

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 2018-11-19 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$590.00} Account was settled with XXXX XXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You can not collect a debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
UNIVERSAL RECOVERY CORPORATION IS REPORTING ON MY XXXX SCORE FOR A BALANCE OF XXXX FOR XXXX XXXX. I NEVER BEEN TO XXXX XXXX OR UNIVERSAL REOCOVERY. I REQUEST FOR THIS COLLECTION TO REMOVED FROM MY CREDIT REPORT IN LESS THEN 30 DAYS IF NOT I WILL FILE A XXXX  COMPLAINT AND DISPUTE WITH XXXX ALSO AND I ALREADY FILED A POLICE REPORT AND CONTACTING THE PROPER F.C.R.A ATTORNEY TO SUE I KNOW I CAN WIN EASY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX  placing an unauthorized fraud alert on my credit report and sending the same request to TransUnion and XXXX. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.

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 2018-11-19 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: NJ

Complaint narrative:
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX placing an unauthorized fraud alert on my credit report and sending the same request to XXXX and Experian. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.

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 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed.  {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation