vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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:
I noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 2017-10-09 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:
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They have different names listed with the same address. It is listed under experian as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI-XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the three credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 2017-10-09 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: CA

Complaint narrative:
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

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 2017-10-09 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: CA

Complaint narrative:
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX has contacted me on several occasion, however will not provide the purpose for their call. I have asked them not to call but they continue to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.

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 2017-10-09 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:
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. 

They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I made a {$180.00} payment on my Bank of America Visa card acct on XXXX XXXX, ahead of the XXXX XXXX due date, and received a confirmation number ( XXXX ). BOA charged me a late fee and did not credit the payment. I managed to have the late fee reversed on XXXX XXXX, but the payment has still not been applied.

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 monetary relief
Consumer complaint received 2017-10-09 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: NC

Complaint narrative:
I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. 

I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! 

I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. 

I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. 

I thank you in advance for your help and cooperation and look forward to an amicable resolution. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I recently had a debt removed from my credit report. It was removed but also put back on. I did not receive a notice from the company that is was going back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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:
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). Transunion listing is XXXX, XXXX XXXX XXXX, XXXX CLOUD, MN, XXXX Phone # : XXXX They have failed to validate over and over. This is not the first time I have reached out to the company. Since then XXXX and XXXX have removed the listing because of this but transunion has not. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any  qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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