vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am the sole beneficiary of Trust ( account ). 

Letters were sent dated XX/XX/2020 and XX/XX/2020 were sent to Transworld Systems Inc. ( Trustee ) in response to notices sent to me from Transworld Systems Inc. ( Trustee ) and more importantly, due to Transworld Systems Inc. ( Trustee ) erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed, and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that their offices provide me with competent evidence that I have any legal obligation to pay them. Please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they say I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I will also inform them that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character It is apparent that either : 1. They are acting on the presumption that some relationship that they may have with the original creditor, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with the original creditor, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to them inasmuch as I am unaware of any contractual relationship between us ; or 2. They have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to the original creditor, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed erroneous information with the credit bureaus and only Equifax has made a reasonable attempt to correct the information. XXXX  won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: FL

Complaint narrative:
Well more then 7 years these people from XXXX XXXX have been hunting me down. They affected my credit more then 7 years ago and ever since then have been trying to add themselves to my credit with different collection agencies they sell the collection to. Now they are affecting my credit for so long even while I told them many years ago that if I did recognize this collection everything was already paid off but this is getting out of hand. Now they sold this account to another collection agency and they are affecting my credit under the company name of VANCE AND HUFFMAN LLC. And are lying and saying that this collection was opened in XX/XX/2019 for the amount of XXXX which is totally inaccurate. This company has been hunting me down and now affecting my credit and all of this is stressing me out and I need someone to help me and find an ending to all of this. This is not the first time that I contact XXXX  and the other credit reporting agencies about this and now this account under a new collection agency is trying to make false allegations with false dates to have me pay for something I did already and putting something on my credit that was already erased more then 7 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to Equifax them to provide physical verification for an account that is being reported on my credit report, and for that item to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote a second letter requesting the same information, and the same deletion. As of today XX/XX/2020 I have still yet to receive any physical verification of this item belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the item should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am refinancing my home and discovered that my cureent mortgage company, NewRez, ran my credit several times in XX/XX/2019. This was done without my consent or knowledge. I recall them sending me mail adn leaving me messages wanting me to refinance then. This was done without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have been paying on this loan for over 9 years and only paid down {$2000.00} but recently with coronavirus I received an email that my loan is in forbearance for the next six months to help with what is going on which is very helpful however when I check on my account today it shows that my balance increased by XXXX. How is that when my account is on a forbearance by the government? Like I said I cant seem to get this balance down and Ive been paying for YEARS! Ive never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a letter from the collection agency, National Credit Systems, 6 months after my family and I moved out of XXXX XXXX XXXX  on XX/XX/XXXX. 
They charged us in the amount of {$600.00} for cleaning 3 bedrooms, and damages. My wife and I own our own cleaning business, we made sure the whole house was spotless, the {$150.00} was unnecessary for cleaning and I have pictures to prove. 
Sheetrock Repair ( {$250.00} ) : this was caused from water leakage in the kitchen, and the maintenance crew at XXXX XXXX XXXX took too long to come and fix the leak. 
Also, in my contract from XXXX I had a security deposit of {$300.00}, and my renewal contract after that the security deposit went down to {$170.00}. I am unsure what happened to the {$120.00}, and when I asked the Property Manager she said she would look in to it, and never got back with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
on XX/XX/2020 my card was activated. It was sent to my old address, after I put in a change of address at my post office in XXXX WI. My income taxes was deposited on to my card and the card was stolen by my previous roommate. I was sent an email on XX/XX/XXXX at XXXX a whole day later saying my card was activated. This card was stolen out of a mailbox and opened by someone else. I gave them the information of who I thought it was. I immediatedly logged into my account and seen that XXXX has been stolen within 24 hours. I immediately called American express and cancelled the card immediately. i called the police and made a police report and gave them my former room mates information also.I filed a dispute and American express denied my claim stating that the transactions were authorized. I never even seen the card. Then they sent me a new replacement card that I had to cancel also because it went back to that address. The same person tried to use the card but I changed the pin so the account got locked out. I want t know how the came to the conclusion that these transactions were authorized? I still to this day XXXX have not got my card with my name on it from American express. I do not have my income tax money, I do not even have access to my card at all. It has been over a month and I have not even seen this card but have been stole from and they refuse to give me my money back. now I am homeless with my XXXX children and American express has done nothing to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc will not connect with my other bank via online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I had planned to go to Georgia, from XX/XX/XXXX to XX/XX/XXXX. So I called today to the Hotel to cancel then to XXXX XXXX which whom I had booked my flight with. I was told it would be canceled but no refund back to my credit card. But instead I could obtain a credit for {$320.00} until XXXX. So I explained that I would not be traveling no time soon due to the ( covid19 ) issue explaining that I should obtain a full refund due to the pandemic. I was declined that opportunity so I decided to see exactly what could be done about this issue during this pandemic.

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 2020-04-27 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-04-27 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: IL

Complaint narrative:
I have been a victim of fraud I have had alert on all three Credit bureaus Experian, XXXX, and XXXX. Neither company have removed the inquiries. I am very angry and on top of being a middle class XXXX  XXXX. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.

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 2020-04-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit score decreased 14 points for no apparent reason. There has been no missed payments and credit cards were paid off last months, so there sound be an increase, not a substantial decrease.

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 2020-04-27 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: OH

Complaint narrative:
I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ # XXXX, XXXX XXXX # XXXX. I have filed a complaint with FTC and CFPB.

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 2020-04-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed erroneous information with the credit bureaus and only XXXX  has made a reasonable attempt to correct the information. Experian won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.

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 2020-04-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-04-27 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to Transunion to provide physical verification for an account that is being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote another letter requesting the same information, and the same deletions. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2020-04-27 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: OH

Complaint narrative:
I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ # XXXX, XXXX XXXX # XXXX. I have filed a complaint with FTC and CFPB.

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 2020-04-27 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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Mercedes Benz Financial Services has promised me that they would Not Report late ( or charge late fees ) to the Credit Bureau during the Covid 19 pandemic. I lost both my jobs as well as my husband did. I called all of XXXX, filled out the info on their Covid 19 page on their website. Spoke to XXXX more then once and continue to speak to her even now. I am at lease end XX/XX/2020, can not go to a dealership anywhere in the XXXX, NJ or NY area to return the car. I owe {$6100.00}, trying to make payment arrangements and am told that I have to wait for lease end statement, which I did not receive.I don't have the money to pay in one shot but am willing to make arrangements which am told by XXXX that I will be able to do this. On XX/XX/2020 MBFS reported me late for {$720.00} and then again on XX/XX/2020 for {$6100.00}, on XX/XX/2020 again for {$7100.00}. How can they charge me LATE FOR XXXX WHEN IT IS XX/XX/XXXX??? MY payment is due XX/XX/XXXX??? They are charging me late fees as well. My credit score fell by over 100 points in just 2 weeks!!! I am desperately trying to remedy the situation to no avail. I believe this is unfair credit reporting, especially when they advertising that they care are not doing this to their customers, they most definitely are, and reporting late BEFORE its actually late??? HELP PLEASE. I have read many complaints of MBFS complaints about this very thing. I just can't take it anymore. I get calls every day, 3 times a day and I answer every one, XXXX, XXXX, XXXX, borderline harassed but I speak to XXXX all the time almost every day and she know that this is true. XXXX I'm sure it is recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

These 2 account are on my Experian credit report. I have disputed these accounts as not being mine, I have no referance to what they are for. As can be seen above the reinvestigation info is sparse. I have been successful in removing these 2 accounts from XXXX  and XXXX XXXX. I don't understand why Experian  won't remove these 2 accounts as XXXX  and XXXX XXXX have done. I am trying to improve my financial situation and with most lenders using Experian the most, I would be grateful to the CFPB if they could help in my improving of my financial situation.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Tried to send money through XXXX with a PNC bank account, but am unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TN

Complaint narrative:
A ACCOUNT THAT IS NOT MY ACCOUNT HAS YET TO BE REMOVE FROM MY 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