vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed a multiple inquiry removal letter to each of the inquiries that I did not authorize on my transunion credit report on XX/XX/2017 in order to dispute information that was being reported on my credit report. I have also contacted the credit bureau who responded back that these inquiries were a statement of factual record of file access which again they were not and advised me to contact the creditors which I have already done. " According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I have no received a response in over a month one can assume that there was no investigation into this matter. I plan to purchase a home this year for me and my XXXX children and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complain due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/2017 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2017-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal locked my account and will not give me access to my money. PayPal refuses to give me a mechanism to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Please find attached XXXX dispute letters to XXXX in regard to an account with Barclay 's Bank Delaware for the negative amount of {$1900.00}. In the XXXX report it states that the XXXX XXXX Amount was {$1500.00}. I had never been notified of any sale or transfer of this account with Barclay 's Bank Delaware to a debt collector. I also have no knowledge of how a XXXX amount is {$1500.00} and it states the amount now owed is {$1900.00}. This account stated on the XXXX reports say the account was opened on XX/XX/XXXX but then states last reported was XX/XX/XXXX. However, because I disputed this account it has been reactivated the reporting as XX/XX/XXXX. No reporting had happened for over 2 years on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I was trying to place an international order with my debit card. My bank "  XXXX   XXXX   XXXX  '' blocked the transaction. I called my bank to let them know that I in fact made the order, and that I have done business with the company before, and was very happy with the service I received. My bank said because of possible fraud they would not clear the transaction. It 's like they are telling me I ca n't spend my own money in the way I want to spend it. I have ordered from this company at least twice before, without even a question, the transactions went through right away. I understand the bank is trying to protect me, but how when I 'm on the phone with my bank telling them that I placed the order, I passed all of their security info, and they say they wo n't authorize the transaction, no matter what I say. THIS IS JUST WRONG. It 's my money, it 's a debit card, not a credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: WI

Complaint narrative:
Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: IL

Complaint narrative:
On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Transcontinental Credit & Collection Corp
State: MA

Complaint narrative:
I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been trying to work with Navient for the past few years, prior to getting behind on payments I called them because I knew I would n't be able to make the payments they were asking for. They are now threatening to sue me, have claimed I have failed to communicate with them, which is a lie and have called me at my job three times, after I told them I cant receive these calls at work, after the first time. I sent a letter last week telling them in writing not to call me at work, and requesting all further communication be in writing. Today they did it again! They called me at work. They have refused to lower my payment even though they have done financial reviews and can see I do n't have the money they want every month. They have hung up on me and told me " you 're not trying hard enough ''. I have developed XXXX and XXXX because of this unfixable issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I filed my income tax return via XXXX. I was offered to receive the refund via a debit card through NetSpend. I activated the card in a timely fashion but the money was never put on the card. NetSpend is impossible to get through and charges a {$.00} charge just to contact them. They have a phone system that is impossible to get through and get information and least of all talk to a person to get the matter settled. At any rate, they have my tax refund and there is no way for me to get access to the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from XXXX. XXXX said to return the hardware for the cable thru XXXX, which I did. I have the ups receipt to show that I sent all hardware back to XXXX. My credit reports were showing that I owed XXXX {$300.00}. I contacted XXXX and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for XXXX to delete it as well. After trying to get XXXX to delete the debt I have not been successful. I have shown them all the proof I have and still no. I am hoping that this will give me the answers I need. I would like to buy a house and this will not look good to the banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EQUIFAX MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EQUIFAX IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED EQUIFAX MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EQUIFAX TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I RECEIVED THE RESULTS ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE EQUIFAX DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
There saying I received a payday loan that I have know knowledge of I contract the bank and they do not see the fund deposit in the account are on my past statement from the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT FROM TBF FINANCIAL IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EXPERIAN MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EXPERIAN IN 2 DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EXPERIAN TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED. I CALLED ON XX/XX/XXXX TO FOLLOW UP ON THE RE-INVESTIGATION AND THE REP TOLD ME THAT THE COLLECTION ACCOUNT WILL REMAIN. I ASKED THE REP WHAT METHODS THEY USED TO VERIFY THE COLLECTION ACCOUNT IS ACCURATE. HE RESPONDED BY TELLING ME THAT IT 'S NOT EXPERIAN 'S RESPONSIBILITY TO VERIFY THAT THE ACCOUNT IS VALID, IT 'S UP TO THE CREDITOR TO DO THAT. I AM REQUESTING YOUR HELP TO HAVE EXPERIAN DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file

Company response to consumer: Closed with non-monetary relief