vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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: GA

Complaint narrative:
I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-21 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: Clarity Services
State: WI

Complaint narrative:
I have been receiving emails from XXXX XXXX about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have Clarity service on them. Contact was made and to no aveil nothing has been done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Check Recovery, INC
State: VA

Complaint narrative:
XX/XX/2018 XXXXdollars XXXX dollars XXXX dollars told them I went into XXXX XXXX XXXX SAID WONT EXCEPT THEM TO NOGOATE WITH THEM KEEP CALLING AND E MAIL ME ITS XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XXXX I failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. c/o XXXX and XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.

XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.

XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.

XX/XX/XXXX I faxed Barclay at XXXX   docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.

XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX  '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.

XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.

XX/XX/XXXX I faxed the documents to XXXX  and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.

XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.

I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.

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 2019-01-21 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: NY

Complaint narrative:
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX  file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs Transunion lawsuit.

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 2019-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!

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 2019-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been dealing with Sallie Mae. They sold my loan to Naveint. I  private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up. 

Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee. 
This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21 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: Deinde Online Services, LLC
State: WI

Complaint narrative:
I have been receiving emails from Integra credit about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have XXXX XXXX on them. Contact was made and to no aveil nothing has been done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Checked My credit report noticed the following accounts are still open, these accounts have been paid off and should be closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting verification to these accounts

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 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting recent late payments on an old XXXX XXXX XXXX ( acct # XXXX ) that has been closed since 2014. How can this be possible. The account was paid and closed and the date of last activity was in 2014. The other bureaus are reporting the account accurately but Experian is NOT. This error is HIGHLY impacting my credit scores. Correct these errors immediately or delete the account 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
Consumer complaint received 2019-01-21 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: ECMC GROUP, INC.
State: AZ

Complaint narrative:
ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2019-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
According to PA law, " The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. '' The Statute applies to most private student loans ( not government or government-backed loans ) is the four-year Statute of Limitations applies to Private Student Loans.

It has been expired a long time ago but post on my credit report recently.

Also, they have post the wrong information incorrectly and it should be removed the incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: NY

Complaint narrative:
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX  lawsuit.

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 2019-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
This is the 2nd complaint I have had to file against Westlake. I had an auto loan with their office that went into default. This account was included in a Chapter XXXX bankruptcy, that was discharged in XX/XX/2016. Despite that, Westlake continues to report this account as an active collection account, and stating that I still have a liability with their company for $ XXXX+. This account should be updated to show as " resolved through bankruptcy '', and the amount owed should report a {$0.00} liability. What they continue to report is a violation of federal bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I applied for loan got approval then went through verification process then denied this is credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to TranSUnion they are reporting me as a deceased.

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