vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion continues to report to creditors that I I am 30 days behind on all 3 of my XXXX  accounts. they refuse to provide specific dates and times because they have no evidence of any problem with any of these accounts for more than 7 years. XXXX XXXX says they have not been contacted by this credit reporting agency and I have been in good standing with them for more than 7 years. I have lost a lot of money because of these incorrect reports. They are not trying to look into anything and over respond with vague reports, '' same as XXXX '' when they never responded in that month. The accounts are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all XXXX XXXX accounts. Please make this company explain their actions. thank XXXX 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 2019-06-19 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: AL

Complaint narrative:
I sent both XXXX and TransUnion a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX of 2019 and XXXX   still did not increase my credit score. They lowered it. I have been on the phone with XXXX  and TransUnion for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.

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 2019-06-19 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: OK

Complaint narrative:
I've provided enough information for these Equifax to conduct a thorough investigation. XXXX XXXX XXXX that is reporting inaccurate on my credit report since XX/XX/2018 and Equifax are refuse to delete the accounts. I already received letter from XXXX XXXX XXXX that debt was delete from my records, XXXX  and XXXX  has already removed the collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report from XXXX XXXX. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. I have disputed this collection five times with no resolution. I have also contacted the company and they don't have me listed for this account number. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I Went To XXXX XXXX XXXX & put a XXXX down payment on a vehicle my first month Carnote was due XX/XX/2019 my sales person instructed me to pay in cash XXXX to the dealership. On XX/XX/2019 my car was repossessed due to a 72 day behind payment which was the first carnote payment i called my bank and told them that i paid my dealership the first car note of XXXX and i have the receipt the bank stated they havent received anything, when i spoke with the dealership they stated that Santander bank took that out of there check, Santander bank wants me to pay off & also i am a first time buyer, they said it was a 24-48 hour investigation but it appeared on my credit in debt the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: VA

Complaint narrative:
Experian refuses to report accurate information. I have never paid my XXXX XXXX  account late EVER. I disputed this and nothing was 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 2019-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
In XX/XX/XXXX I leased a vehicle from a local Ford dealership. The lease was provided by Ford Motor Credit ( FMC ). At the end of the lease I made numerous attempts to trade the vehicle in at several dealerships for other types of vehicles because I was over the lease mileage limit and the lease end purchase price was less than the trade in value of the vehicle. Both FMC and the local Ford dealership refused to provide a pay-off to the other dealerships. When I spoke to a FMC representative I was told that there was nothing in the lease that would prevent me from trading the vehicle because I had the right to purchase the vehicle at any time during the lease, however, any payoff amounts would have to be provided by the local dealership. The local dealership refused to cooperate, all the while stating that they would be happy to sell me the vehicle, which was not theirs to sell, but would not assist me with a trade to another dealership. I ended up doing a lease end return, and FMC subsequently billed me for the excess mileage in the amount of {$830.00}. I disputed the debt immediately and commenced litigation in XXXX County Justice Court against FMC and the local Ford dealership. In XX/XX/XXXX the litigation was settled, and as part of the settlement, FMC received the entirety of the amount in dispute. FMC never reported that the debt was disputed, instead FMC reported the debt as a chargeoff with a balance owed in the amount of {$830.00} even though FMC actively litigated the matter until the case was settled and was ultimately paid in full. I have since been in touch with FMC 's attorney, XXXX XXXX XXXX, XXXX. of XXXX, XXXX XXXX XXXX and requested a correction to my credit reports. Mr. XXXX has asked me for specific language that FMC should use to report the account to the credit bureaus. My reply to Mr. XXXX was, " Your client has a duty under the Fair Credit Reporting Act to report accurate information. They should be able to look at the account and figure out what they did that is inaccurate and get it corrected. I am not in a position to tell them how to do that. I am quite certain, however, that this account should not reflect anything negative on my credit reports. '' To which Mr. XXXX replied, " At such time you have a demand for my client to consider which would include specific requested credit language, let me know. Theres nothing more my client and I can do at this time. '' Apparently FMC feels that they are justified in reporting inaccurate and misleading credit information unless a consumer can explain to them their legal obligations in specific language.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
On XX/XX/2018 I made a {$1000.00} payment to Navient via bank transfer. The amount was never credited to my Navient account. On XX/XX/18 I emailed Navient about this problem. They replied on XX/XX/18 to say they needed a trace number for the transfer. I requested the trace number from my credit union and sent it on to Navient via their document upload feature on XX/XX/2018. 

My account was never updated. I sent a follow up email to Navient in late winter/early spring 2018 ( I ma not sure of exact date, as I can find no way on Navient site to locate emails I have sent them, only emails from them ). I received no response. When I have tried to contact Navient Customer Service at XXXX I encounter a computerized system that provides no options for contacting a live person about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received notice from XXXX Visa Signature card by mail on XX/XX/2019, stated they send me new card with a chip technology. 
I called on same day to the number, listed on this notice and reported that I never applied for his card and/or received it. 
Representative, named XXXX, checked and let me know, the account has multiple addresses, including P.O.Boxes, which I never had and the e-statement was sent to the email address different then mine. 
XXXX transferred me to Synchrony 's bank fraud department, to person who reveal only her first name- XXXX , who guaranteed me, that this fraudulent account will closed immediately and I should receive a letter confirming status of investigation within 7-10 days. 
I never received this letter from Synchrony bank. 
On XX/XX/2019 I received alert from XXXX stated that credit score got decreased due to XXXX Visa Signature card over-limited. 
I called Synchrony bank right away to the number listed on the alert ( XXXX ) and found out, that XXXX-the person from Fraud department didn't close the account and the fraudulent charges been continued to applied. 
This is outrageous negligence, which is damaging mine credit history and score. 
Please help me to investigate thoroughly and restore my excellent standing.

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 2019-06-19 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: TN

Complaint narrative:
I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND EQUIFAX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY  PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF EQUIFAX FAILS TO COMPLY WITH THE FEDERAL LAW. Equifax HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT EQUIFAX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/19 I called Chase customer service regarding an issue with an account transfer from one checking account into another account that had a negative balance. I am a signer on another Chase checking account, my fathers, but not the PRIMARY account holder and I also have my own chase checking account and Im the primary account holder and have my father listed as signer, as well. On XX/XX/19, my fathers entire SSI XXXX  was TAKEN from his account and TRANSFERRED into my account which had a negative balance. I spoke with the collection department at chase and was transferred to the supervisor and was told, there was nothing he could do and would be willing to refund XXXX, if I was willing to set up a payment arrangement. The account was withdrawn for only 22 days and I called three times asking if they could remove or waive some of the fees - not all but atleast half. I was told no because they waived two overdraft fees 8 MONTHS AGO. I offered payment arrangements on the account and was willing to set it all up immediately, if they refunded the XXXX back to my fathers account since it is his SSI check. They refused and said they can withdrawal at anytime if another account through Chase is negative. I asked the supervisor how this is legal and he said its in the fine print when you agreed to the terms and conditions. I informed him my dad has been with chase for 12 years and he told me that doesnt matter and means nothing. They didnt notify my father or I that they were taking the money and I never received any notification in the mail stating that would happen. I was told they dont have to notify there customers. This is not fair to the consumer and its negligence on Chases part for not having any regard for there customers and/or their situation. An innocent person was affected by my mistake that I was willing to set up payment arrangements to resolve the negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
According to the FCra I have the right to ask midland funding to verify the account ending in XXXX because on XX/XX/XXXX midland funding account ending in XXXX was filed with the I.R.S. dept.under a code C which means the account was to old to be reported for payment due.Its canceled debt and has been for 11 months, please verify your account or close your collection from my credit report. -- -- -- -- -- -my 1099-c/1096 form was sent to the c.f.p.b. XX/XX/XXXX by u.s. mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called in today to Chase about something on my CC, and the rep told me that my account was closed. 

First of all, I wasn't notified about this ( they say that they are planning to send a letter, but how am I supposed to know not to use the account? ) But they didn't want to give me any reasoning for it and a fair chance to reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I requested a validation of debt to Professional Credit Service ( PCS ) via US Mail. The alleged debt is {$200.00} from XXXX XXXX. I requested documents to be sent to me via mail, and I informed the company to cease all telephone calls and robo calls to me, family member, friends, and associates according to the Fair Debt Collection Practices Act ( FDCPA ). The company sent me a letter XX/XX/XXXX requesting additional information. I sent another letter on XX/XX/XXXX explaining to them that the only information I had was the information reported in my credit file. For the second time, I sent PCS a copy of my credit report which shows their information. I do not owe this debt. 

On Wednesday, XX/XX/2019, a representative ( XXXX XXXX ) from PCS called me from ( XXXX ) XXXX at XXXX on a recorded line. This company, Professional Credit Service, has violated the FDCPA by calling me after I insisted them to cease collection and calls. 

Until this date, the company has not provided validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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