vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
There are actually several things that occurred with my situation. I received a debt collection letter from Innovative Recovery , Inc a few days ago stating this is an attempt to collect a debt and that I had 30 days to dispute the validity or any portion. The first issue is that I believe I only received this letter after I disputed the debt on my credit report thru XXXX XXXX. I first started seeing Innovative Recovery on my credit report on XX/XX/2020 and they submitted the debt daily on my credit report but I had never received a letter from them stating the debt had been sent to them for collection. So that was the first issue, how do you start reporting me to the credit bureau prior to contacting me? No letter, no phone calls nothing. So I was surprised to see it show on my credit report. Then that they had it hit my credit daily from XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, the XXXX again, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX which is around the time I filed a dispute with XXXX. So then when I looked at my last statement from XXXX XXXX, the Creditor, my statement was for {$71.00} but the letter from Innovative Recovery shows I owe {$96.00}. So that's another issue. Did I get charged a late fee by the creditor on a move out statement? Well I called Innovative Recovery today and spoke to XXXX. She advised that they have sent letters prior to the current one and they attempted to call me but no response. I advised XXXX that was incorrect because I have never received a letter until a few days ago but then I asked her about the amount due. I advised XXXX that my last statement from the creditor was for {$71.00} but my debt letter was showing {$96.00} owed so where did the additional fee come from. XXXX advised that her company tacked on a {$25.00} fee for their services. Is that legal? I do owe the {$71.00} and I am willing to pay it but I wish the creditor had reached out to remind me of what I owed prior to going to the debt collector who then went straight to sending hits to my credit prior to contacting me then adding their fee to what I owe. Please let me know if I am required to pay the {$25.00} fee added by the debt collector. I feel like they are doing shady practices and it's affecting my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX  and I cancelled transactions with me on Friday, XX/XX/2020  because it was not used. They refunded two transactions to me in the amount of {$5.00} and {$140.00} on Sunday, XX/XX/2020. The refund on my Bluebird American Express stated " hold for review ''. I contacted Bluebird American Express to inquire why this was put on the account and they told me that the money will be put on hold for 7-10 days to give the merchant an opportunity to resend the transaction. I told them that I am the cardholder and the consumer and they should contact me NOT the individual I paid because Bluebird American Express does not know what was transacted or discussed between XXXX and the consumer and that obviously if XXXX had refunded the money it is not for Bluebird American Express to question or withhold the cardholder 's money further. Bluebird American Express stated it is American Express policy to withhold the cardholder 's refunds 7-10 days, and that my money will be returned to me at that time. Bluebird American Express treats their prepaid cards like American Express credit cards when it suits them and like prepaid cards when it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, 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 2020-09-21 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: FL

Complaint narrative:
Several online disputes have been sent to EXPERIAN directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the XXXX XXXX Yet, EXPERIAN has repeatedly refused to remove the once deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts from my credit report. Additionally, they reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!

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 2020-09-21 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Centron Services
State: MT

Complaint narrative:
This situation involves a collection action initiated by XXXX XXXX XXXX in XXXX XXXX, Montana. Prior to referring the matter for collection, we received no bills, calls or correspondence with respect to any amounts due. Once contacted by Credit Systems, a XXXX of Centron Services , Inc, a XXXX  XXXX, I contacted XXXX directly and was advised that they had no record of any debt. I advised Credit Systems at that point in time that I disputed the debt in its entirety and requested validation. I heard nothing for some time. Approximately 6 months later, I received another demand for payment from Credit Systems. I was advised at that point in time that adverse action had already been taken against my credit. On XX/XX/2020, I submitted a Cease & Desist Letter/Demand for Validation. To date, I have received no validation of debt. Credit Systems acknowledges receiving the Cease & Desist letter on XX/XX/2020. Despite not receiving any validation from XXXX, they have continued to make collection efforts on the account and continue to report the matter adversely to my credit report. 

I have attached a copy of the Cease & Desist letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX  Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX. XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX AFNI, INC ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX  XXXX ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade  Commission. I have also enclosed a copy my state issued identification along with other personal documents that entail my name and current address. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX. I received a letter from XXXX XXXX regarding my Frontier Airlines World Mastercard account ending in XXXX, and the XXXX XXXX  account ending in XXXX. XXXX stated that the way the frontier airlines card was reported was going to be fixed due to the fact that the account was under the covid relief program that was offered by your bank. 

Secondly, The letter I received stated that the XXXX XXXX  card was going to be removed due to the likelihood that it was opened due to fraud. The letter also stated that the frontier  airline card would remain. I am disputing the validity of the frontier airline account. I would like to see the information that was used to determine that I infact is responsible for said card. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. 


I am also filing a complaint with the CFPB and the FTC regarding this particular account. I have attached the letter that was received from your office regarding the account. 


Thanks,

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 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Wed XX/XX/XXXX, I received an email from my loan officer, Mr. XXXX XXXX informing me that " due to high volume, we are not able to get you closed on Friday XXXX XX/XX/2020 XXXX ''. 

On Thus, XX/XX/XXXX, I received an email from mortgage processor XXXX XXXX stating : " The underwriter is asking for the following : Hi XXXX, I will need the year to date 2020 P & L statement. '' I was surprised because I am just a XXXX XXXX XXXXXXXX with a XXXX  pass through status so I got on XXXX and created my XXXX XXXX XXXX. 

However, on Friday XX/XX/XXXX I was sent an email by the mortgage processor that the underwriter was now requesting the following : " The XXXX XXXX XXXX is inadequate. It was created by the borrower. We need an audited XXXX XXXX XXXX and balance sheet prepared by his CPA. Also, the CPA needs to address what impact moving the business to KS will have to future revenue streams. 
In addition borrower needs to provide current assets/bank statements and to address what line of work he was in exactly in his previous job. '' At this point I was beginning to feel excessive anxiety because of the delayed signing, move in delays, and now this potentially expensive and unnecessary requirement on Friday night. I could not get a hold of my account, so I asked my prime contractor who employs me to help and his CPA was able to create the XXXX XXXX XXXX and balance sheet based on my financial information I provided, but it cost me {$1500.00}, which was a huge discount. As of Monday XXXX CST I have still not heard back from my loan officer after our discussion earlier in the morning of the status of my submittal and I am incurring costs to change my flight arrangements back to DC. My actual attorney has been communicating with me that not only is this unusual but it may also violate certain AI CAP rules. 

Since I have no contact with the actual underwriter, I still do not know how this will turn out and the seller may cancel the contract. 

Please help me gather the information that requires underwriters to request this type of information for a XXXX XXXX XXXXXXXX, sole proprietorship with an XXXX pass through entity in order to prepare my loan for sell off to XXXX XXXX or XXXX XXXX. This is the justification PenFed is using to request this type of information.

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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX - XXXX I acquired a medical credit card to have some medical procedures done. With a debt of about 5,000. I was later unable to pay back the debt after a year or so from opening the account. Since I was unable to pay due to lack of work and as time had moved on, I had not heard from this company in almost twenty years ( 20 years ). 

This past week on XX/XX/XXXX, I received a " Notice of Garnishment '' from my employer stating a company, Midland Funding LLC based in XXXX XXXX CA was taking action to garnish my wages to a total of {$9000.00}. I was surprised and very concerned as I had never worked with, spoken to or ever had any agreement with Midland Funding so I was not sure why and how this garnishment came to be. 

The debt they are collecting is twenty ( 20 ) years old and I have never spoken to this company or agreed to pay them anything. I am very concerned as to how they received this judgement without notifying me ( service of complaint ) giving me the opportunity to defend my rights in court. In addition, they filed this complaint in Small Claims located in XXXX CA which is 40 miles away from my work and home. 

My complaint is how this company managed to obtain a judgment without my knowledge, Midland Funding has never provided any proof of my debt from original company therefore I do not every know why they are collecting on a debt I do not owe them as I have never done any business, nor spoken to anyone or agreed to pay any funds to Midland Funding. 

This debt is twenty years old and has exceeded the Statute of limitation so I want to know how this is legal as I have not been given any opportunities to defend my right s as a consumer and know this company has violated many codes of conduct and collection practices and laws. Midland Funding has obtained this order under false pretenses, unlawful conduct and practices and should not be able to conduct business in this matter. Since the prescribed time permitted by law has passed this should have never been filed in court as per the rules set forth by our legislative body. In addition, this was filed in small claims court but yet Midland is being represented by multiple attorneys. You can not file in small claims with representation as it leaves the defense to a disadvantage as the defendant would not have an attorney present due to the small claims rules of " no attorneys ''. Also, no claimant ( natural person or legal entity ) may file more than two small claims court actions for more than {$2500.00} anywhere in the state during any calendar year which Midland funding has therefore is violating California rules of court ( Small Claims ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation