vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with XXXX XXXX was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get XXXX XXXX to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.

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 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PPCC, Inc. dba Allied Collection Resources, Inc.
State: CA

Complaint narrative:
Received 1 phone call on Thursday from debt collector for a 60 day past due debt. Called back the next day Friday and offered to pay in full the balance due + reasonable collection fee Debt collector said he was not reducing the collection fee of {$660.00} for 1 phone call attempt. Will not reduce fee or explain how it calculates to {$660.00} {$2400.00} Statement {$660.00} Collection Fees {$3100.00} Total Due

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: MO

Complaint narrative:
I have attempted repeatedly to work with TransUnion to remove three hard inquiries that were made on my credit report that I did not authorize. The date listed is for XX/XX/2017. I am repeatedly told by TransUnion, that there is nothing I can do about the hard inquiries, and that I need to contact each hard inquiry and attempt to get them to " write a letter '' on my behalf in order to get them removed. We I contact these companies, they are confused as to why I need such a letter and refuse to assist me. I have been working on this issue for over a year now. It is imperative that this get resolved in order to have the credit rating I have worked hard for. Listed below are the hard inquiries I did not authorize. 
XXXX XXXX XXXX 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 2018-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
On XX/XX/XXXX. I made a payment of {$1000.00} US dollars to my car loan. About 30 days later the loan went from {$9000.00} to {$9500.00}. That is a 6.6 % per month, or 79.2 % annual percentage rate. 
I would like this loan to be review, because, since XXXX we have paid {$19000.00} onto the loan, that it was originally {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto One Acceptance LLC
State: TX

Complaint narrative:
Auto one acceptance is showing a closed account on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX at approximately XXXX Credit Acceptance Corp withdrew an unauthorized amount of {$390.00}. Again, on Friday XX/XX/XXXX at approximately XXXX, Credit Acceptance withdrew an authorized amount of {$500.00}. 

I called the customer service line at XXXX on Saturday, XX/XX/XXXX and was told by XXXX there was " nothing she can do for me to refund then near unauthorized {$900.00} taken '' from my bank account. XXXX proceeded to make me feel as though I was trying to scam the company, claiming " someone in your house processed two payments '' ( which I told her was not the case. Nobody was on the computer at this time ) and refused to help on the matter. 

XXXX then advised me to call my bank to dispute the charges as " there is nothing she could do ''. I proceeded to call my bank, XXXX XXXX, who were both surprised and alarmed Credit Acceptance would not assist me in the unauthorized payments. 

XXXX XXXX processed two disputes on both payments. I fully expect Credit Acceptance to accept these disputes.

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 2018-09-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX #. XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,

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 2018-09-08 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: FL

Complaint narrative:
Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX   XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,

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 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
On XX/XX/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed {$89.00}. 
I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
Optimum Outcomes has failed to fulfill my request of debt validation with a response that meets federal guidelines on two prior occasions. Please see attachments for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX XXXX XXXX XXXX # XXXX. Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX XXXX XXXX., they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,

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 2018-09-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion deleted and reinserted this inaccurate item twice in a week which proves they never sent me a written five day notice. On XX/XX/XXXX Transunion deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. They then removed it again on XXXX XXXX and has reinserted it without a 5 day written notice. I have repeatedly sent them requests for VALIDATION which they have failed to provide. They said it was verified through the courts via telephone and I provided them a letter I personally received from the courts stating that they do not give any of that information to credit bereaus. In addition, the public records law as of XX/XX/XXXX states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted 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 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank has mailed several applications for credit cards and loans to my home under someone else name ( XXXX XXXX ). I have established contact with their representatives via phone to inform them of this and also requested that they stop since this is a easy method to steal someones identity. 

The last time I contacted them I requested documentation stating that they would no longer send pre-approval mail to my home. The representative stated that it was not possible and as I mentioned I am still receiving mail under for credit offers to my home with the addressed to XXXX XXXX. It is clear to me now that this financial institution has rules or processes in place to truly protect personal information of it's customers and they should be held liable in their failures to protect personal information current and potential customers I received another pre-approval letter addressed to XXXX XXXX yesterday. I'm not sure what else to do at this point. I've also attempted to mail them back via United States Postal service using RTS ( return to sender on the envelope. ) They often get sent back to me again. I had this happen twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: CO

Complaint narrative:
The account for Child Support was placed in collections in the year of XXXX, I have filed multiple disputes and written letters with TransUnion and the account continues to reage. Now its showing on the report as closed but negative it was closed then replaced back on report with late payments Therefore this account should have been removed no later than 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 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: PA

Complaint narrative:
Do not have an contract/agreement with Virtuoso Sourcing to pay aXXXX dollars collection. Never received information about this debt. But it is on my credit report. Mailed a validation letter to Collection agency. Waiting for response. Already worked out a payment plan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was charged XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The accounting firm of my employer received a Continuing Writ of Garnishment Against Salary or Wages summons from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX FL XXXX, requesting my personal financial information. After researching who XXXX XXXX is, they are an institution that engages in purchasing consumer debts. This company has attempted to harm my credit in the past by placing false statements that I owe them any money. I have requested written and signed documents or any contractual agreement showing any debt to XXXX XXXX and/or XXXX XXXX XXXX - and no response or documents were ever provided with my signature. 

XXXX XXXX and/or XXXX XXXX XXXX appeared on my credit report. I had disputed the false representation of charges and it was removed from all three credit bureaus due to no validity of debt owed to XXXX XXXX and/or XXXX XXXX XXXX. 

Under further investigation, XXXX XXXX and/or XXXX XXXX XXXX had filed a judgement against me in the county court of XXXX XXXX XXXX in XXXX County, Florida on XX/XX/XXXX for the amount of {$7600.00} without my knowledge. 

As of XX/XX/XXXX, XXXX XXXX XXXX contacted a third party accounting firm that represents my employer requesting personal financial information, providing my personal social security number without authorization, in order to garnish my pay, and stating the amount owed is {$8000.00}. I am moving forward stating here that this is considered harassment and abuse, unfair practice, illegal communication, and trying to acquire personal information through a third party.

Company response to consumer: Closed with non-monetary relief