vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by Transunion and/or accepted by Transunion despite they knew now the fact that collection was in violation of the FCRA by Transunion and the collection. Transunion blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. Transunion added an unthorized address to Mr. XXXX credit file. Transunion knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that Transunion blocked him from using the Transunion online dispute process ( Transunion in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because Transunion knew if they let Mr. XXXX   to use that online dispute process without restrictions he would win and Transunion would had deleted that collection by now. Transunion now is served through this platform the attached files that were already sent to Transunion by they trashed them or ignored them and Transunion to explain why they did that in violation of the FCRA.Transunion must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX   specific Transunion credit report number. Included also the name of the collection. A XXXX XXXX   banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX   to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXXXXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and Transunion must delete that collection or face serious legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
Dynamic Recovery Solutions is contacting me about a XXXX Account they bought from a different collection agency called XXXX XXXX about a debt they said I owed from 2010 to XXXX XXXX. I requested them to cease communication and they threatened to sue me when I do not know of this account and also the beyond the statue of limitations.

Dynamic Recovery stated that they can still contact me as they said this is their first contact, I however and not aware of any XXXX Account from 2010, or any other year. I requested them to stop contacting me and was told they do not have to.

This is a formal complaint against both XXXX XXXX XXXX and Dynamic Recovery solutions. they have clearly violated the FDCPA. the number they called me on is a number they could have only gotten from my credit file and is a very new number. as they stated this account is from 2010, and can not validate this debt with XXXX, I am requesting a thorough investigation into both of these companies.

I have never received any written communication about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Check # XXXX was paid into my account on XX/XX/18 for the amount of XXXX.

The account holder of the check and I bank with the same bank chase. On the XX/XX/18 the funds were place on hold and when I call about the funds I was told they needed to spoke with the person who wrote the check. After speaking with that person who gave me the check the funds were released on the XX/XX/18. On the XX/XX/18 the funds were put back on hold again, and when I call the bank, they sent me to the recovery and Fraud department and my account was overdraw. I later got the check in the mail and the letter stated my couldnt verfity the hand writing. My account is overdraw still and I want my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i am going to waste my time once more to ask for help against XXXX credit card company. I had to close my excellent open account with 0 balance that I had for many years, because XXXX would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from Transunion , but my XXXX card is no where to be reported, it was there in XX/XX/XXXX. I call Transunion they say there is no record of it and I need to call XXXX to get it reported. I call XXXX, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO TRANSUNION. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT 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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different 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 monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
inaccurate information showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
inaccurate information showing up on 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 2018-12-06 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:
inaccurate information showing up on 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 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques
State: CA

Complaint narrative:
i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XX/XX/2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX XXXX and hide two and attach my wages thats going to kill me and make me  homeless!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA

Complaint narrative:
XXXX  impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by XXXX and/or accepted by XXXX despite they knew now the fact that collection was in violation of the FCRA by XXXX  and the collection. XXXX  blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. XXXX added an unthorized address to Mr. XXXX credit file. XXXX  knee that XXXX  already deleted that collection that violates the FCRA.When Mr. XXXX found that XXXX   blocked him from using the XXXX  online dispute process ( XXXX  in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because XXXX  knew if they let Mr. XXXX to use that online dispute process without restrictions he would win and XXXX  would had deleted that collection by now. XXXX   now is served through this platform the attached files that were already sent to XXXX  by they trashed them or ignored them and XXXX to explain why they did that in violation of the FCRA.XXXX  must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX specific XXXX  credit report number. Included also the name of the collection. A XXXX XXXX banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and XXXX  must delete that collection or face serious legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I took out a private student loan with XXXX XXXX XXXX which is now  American Education Service between XX/XX/XXXX and XX/XX/XXXX. I still owe approximately {$40000.00} which is more then the loan amount I took out eventhough Ive been paying on it for several years. I read an article that they were being sued by CFPB. I need help with this. I cant get any help from AES to pay this debt off and my payments keep going up. I believe I was one of  those who was affected in the lawsuit however I cant find any information on whether my debt with XXXX/AES will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with Transunion. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
DEBT COLLECTOR : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX On XXXX @ XXXX, CSR states they have not received release from Creditor, however, Debt was settled back in XX/XX/XXXX through Financial Aid approval and Co-Payment paid in XXXX. 

Debt collector has had ample time to update their records. 

Debt collector CSR stated " Doctors don't take charity and this is for doctor 's bills. '' However, Original Creditor/provider XXXX XXXX has confirmed all charges have been closed/paid for this medical visit on XX/XX/XXXX. 

Debt collector continues to send collection letters and continues collection calls on a already settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''. 

I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
I had a personal loan with this company, and i paid this loan off on XX/XX/2018.i was informed at the time that this account would be closed within 30 days.but as of this date that account still exist on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FMC-XXXX  XXXX XXXX Date opened XX/XX/2008 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that Date opened XX/XX/2008 was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bayside Capital Services, LLC
State: TX

Complaint narrative:
Bayside capital ( XXXX ) threatening me with lawsuit. Lawyer is handling my bankruptcy case and all communications are required to go through them. They should not be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to submit a dispute with Equifax and they make it impossible to put a dispute in. In XX/XX/2018, XXXX XXXX took off a collection account. XXXX and XXXX  have already taken off this acct off my report, but I am unable to Equifax to put a dispute in with Equifax and they have denied me a yearly report.

Company response to consumer: Closed with explanation