vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 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: TX

Complaint narrative:
On XX/XX/2021 I sent out a letter to Equifax Credit information Services to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent out a letter to XXXX XXXXXXXX XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine

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 2021-08-22 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: FL

Complaint narrative:
I have filed several disputes for inaccurate information on my Experian report. For the past several years Experian has sent me generic letters stating they have confirmed this information. 

About 6 Months ago, I spoke to Experian and they recommended I contact XXXX and get a letter stating that this information is incorrect. I did and sent it to Experian in early XXXX. 

Again, I received a standard response, " this information is accurate ''

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 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
For months i have tried to contact Midland credit regarding a credit card that was taken out in my name. I do not have a credit card, nor is this debt mine. The collections needs to be removed from my credit report. This is NOT my debt. I did not have nor do i have any credit cards, nor have I. I would like this false debt removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Hello. I am having an issue with my mortgage company ( XXXX XXXX XXXX, aka LoanCare ) that they won't resolve and it's affecting our credit. They are reporting incorrect information to all 3 credit reporting agencies, we have filed 2 credit disputes in addition to having reached out to them via email and called 3x to which we were yelled at on the from a supervisor. 

Back in XXXX of XXXX  we applied for a loan modification because we fell 3 months behind on our payments. We were approved for the modification in XXXX and were set to make our first payment in XXXX. Along came the pandemic and my husband lost his job on or around XXXX XXXX XXXX We called our mortgage company right away to find out what our options were because we weren't going to make the XXXX payment for our modification, and they instructed us that if we made the first payment in XXXX we wouldn't be able to enter a loan forbearance for 3 months so instead they instructed us to apply for a loan forbearance instead of making the XXXX payment. We were approved for the forbearance and have maintained the forbearance every month since XXXX XXXX XXXX. LoanCare has reported us as being late every month since! We have been marked 18 months past due and our on time payments history for the loan had been reported as only making XXXX  % of our payments on time! We have called and spoken to employees who have in fact told us that our loan should not be reported negatively or late since we are an FHA loan backed by HUD and therefore protected from being reported negatively but can not get them to correct the issue they just continue each month to mark us late again. It states on THEIR own website that a forbearance will not be reported as negative and will not affect a borrower 's credit. Well my credit score has gone from XXXX to XXXX because of this incorrect reporting on their part! Please advise what can be done to have this corrected ASAP.

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 2021-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: WV

Complaint narrative:
On XX/XX/, I rented a car from XXXX XXXX XXXX XXXX and returned it the same day. I went through the normal and thourough check up that they do at the drop off location in XXXX, VA where I wasnt informed of any damaged done to the vehicle ( since there wasnt any ). I received a mail from viking billing service that I have damaged the entire front hull of the rented car and that I had a debt of approximately XXXX XXXX How could the entire front hull be destroyed without being informed noticed at the drop off location and not informing me witn anything at the time? Anyways, I paid insurance for this trip but the insurance requires an incident report showing how and where the damage was done. I dont have an incident report and Ive been asking viking billing service to provide with one for more than a year now ( more than 20 phone calls with them ). Viking billing service did not inform me of the option to dispute. 

It shouldnt be my responsibility to pay for something that wasnt pointed out to me at drop off. Leaving that aside, the insurance company which I paid for also wont accept to pay for the charges since viking billing service wouldnt give me a valid incident report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CORELOGIC INC
State: DE

Complaint narrative:
Greetings My name is XXXX XXXX. On Two Occasions, Credco obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc.
State: ND

Complaint narrative:
Due to HIPA i would like this removed from my credit report. I did not give permission for my information to be sold or given to a third party. I would like this debt removed from my report due to inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
the message is from XXXX XXXX from Transworld services and is contacting me over a debt. They said to call XXXX XXXX XXXX did not have any written statements of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CA

Complaint narrative:
XXXX XXXX is report I was not up to date and says I was charged off experience has requested proof from several time to validate my claim I have provided a letter from the merchant stating my account was paid in full experience has refused to act knowledge the proof they have requested its dated and nothing is being done

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 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Amerassist added two collections accounts on my credit report in XX/XX/2020. Both of the accounts were in dispute with the company XXXX XXXX XXXX, for faulty product. I had been in dispute with XXXX  for over a year. They were suppose to have stopped any payments from needing to be paid, while we were in dispute. They randomly one day added two accounts onto my credit report. This completely damaged my credit! I contacted both companies, Amerassist and XXXX XXXX XXXX, about the collections accounts and could not get any answer or resolution. There was a ton of back and forth for months, I was able to dispute one of the accounts and it was removed but the last account has not been removed. I have emailed and called multiple times and I have disputed the account on my credit report 12 times, without any resolution. I have provided Amerassist proof that the accounts are closed and should have never been reported and they still refuse to make any change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
When I originally accepted this loan, in XXXX, the provider 's name was XXXX XXXX XXXX now its University Accounting Service LLC. The loan amount requested was $ XXXX. I had good to fair credit at the time not great. It was somewhere between XXXX to XXXX. I was told I had to have a $ XXXX origination fee if I got approved, and I would have to have a cosigner. I was told as long as I made 12 straight payments on time, then my cosigner would be taken off the loan. That never occurred and I did make 12 consecutive payments on time as agreed. I was never informed or understood that my interest rate was variable and how it was calculated. I was informed if I ever had economic hardship or needed an income based payment plan the lender would provide those options. While they have gave me some forbearance options, they have never offered me an income based payment plan. My balance over the years has gone from $ XXXX because of the Origination fee to about $ XXXX though I have paid {$13000.00} towards the loan to date. I have begged and pleaded with the originator to provide me with more reasonable monthly pay back options that will allow me to get the balance down and and they refused to. The payments have been {$600.00} to {$800.00} a month to which I have responded over and over I cant afford. I have been able to negotiate an interest only payment at times but the balance keeps getting higher and higher with no solution available. My cosigner back in XXXX even offered a $ XXXX negotiation payoff of the loan on top of the thousands I have already paid on it and it was denied. That means they would have received in total about $ XXXX for only lending me $ XXXX. So they would have doubled their money back. The seller of this loan took advantage of me when I was in need. Even the original loan documents have been changed in the system. The documents I originally signed all reflected My XXXX XXXX, the documents they have in my profile now are reflecting University Accounting Service LLC, which I had never heard of back in XXXX when I accepted this loan and signed off on it. I am trying to find my original loan paperwork. I mean they have taken the time to change the paper work in the system and upload it. Its Straight fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CT

Complaint narrative:
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance.

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.
Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

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 2021-08-22 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: CT

Complaint narrative:
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 


BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

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 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This collection was deleted from my report through my divorce l tried several attempts to resolve this collection this collection agency refused to provide me proof that l own them this collection have no legal signature that showed that l have a legal account with them l plan on sue this collection to provide why are there Harassing mean and I do not have a legal account with this agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
Yes that was occurred by my ex-husband without my knowledge or my consent I do not have a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a credit card with XXXX with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

Portfolio Recovery purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Ok i am currently looking for a rental for family and I and came across this property for rental on XXXX XXXX. So I contacted the person via text and she stated still available but had tenants moving out on XXXX so I said great I have to move out of where I am by end of month so we preceded she sent me an application {$50.00} then returned response that I was approved following this she stated for me to pay her the amount of {$700.00} to hold the property and so she can take off the market so I sent her the {$700.00} via XXXX to her attorney, so next she came back that was received so now she will send me the lease agreement to fill out sign and return so i did. then she proceeded with the tenants asked for extension so now walk through will be on XXXX and that she had a business trip to XXXX she will send the keys to me via Mail to my current address. so she then asked for the XXXX month rent {$1500.00} via XXXX and that i would receive paperwork on the walkthrough day. So she emailed me a tracking number for the keys I was gon na receive. then the day I was supposed to receive it said customs fee needed to be pd they were on hold. So I emailed her of this info she started another scenario of she had to pay extra $ to send me the keys can I help her pay also that she had bought a house out in XXXX now by this moment I knew i was done she had stiffed me out of my money!!!! Also I do have all the text messages and the lease agreement, application that i filled out just could not upload it. I am a working single mother which is now out of this money and still looking for a place to live by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NY

Complaint narrative:
This whole experience with this bank has been Horrible from the opening process with my deposit they never issued out my debit card as they told me then someone from their Customerr care dept calls me to say they forgot to issue one and they would overnight me one I received it but when I activated it and called they told me my account is closed this is such a weird process with the whole Account opening process why would they close my account after issuing my debit card I didnt even get to activate the card or start using my checking account I dont underdtand what happened and wish someone would tell me instead of hiding this from 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