vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: GA

Complaint narrative:
I have no idea who Aspen Collections is or who they represent. Aspen Collections has has engaged in collection activity prior to validating a debt and and has not submitted any documentation to support their claim.

This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Aspen Collection is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from Aspen Collections via certified mail Return Receipt XXXX XXXX XXXX XXXX XXXX and the company has yet to respond When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Aspen Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Aspen Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Aspen Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reportin
g negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to cancel my transunion credit reporting subscription multiple times. The only way to cancel is to call, but when I call their 1-800 number ( as listed on the website ), they say " Please try again later. '' They are continuing to charge me each month and there is no way to cancel. 

Finally, I was able to reach them by phone, but I had to choose the 'french ' option. Luckily the french-speaking agent also spoke english and we were able to cancel. 

By then, I had already paid an extra month. 

IF YOU ARE A MEMBER OF THE PUBLIC READING THIS : Avoid transunion at all costs. If you HAVE to subscribe, use a burner/one-time credit card.

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian unwilling to fix credit. There are multiple mistakes, they would only fix two that were obvious duplicates.

There are others. For example, are three entries All initiated by XXXX by the same dealer for the same loan on the same car. I was told since the names are different that they would do nothing about it. 
Each of these multiple hard inquiries affect my score. Despite the fact that there is supposed to be a freeze on this account. Despite the company stating that they are not affecting my score, the institutions that I try to work with have said I was denied due to excessive inquiries ... Which should not have been able to take place because of the freeze. I Have always had Excellent scores. XXXX  only shows me with three inquiries. It seems hard to believe that one company can say 16 and another say 3. I am feel Experian is slandering my history.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/20 I wrote Experian about being a victim of identity theft. After reviewing my current credit report this fraudulent account XXXX XXXX XXXX XXXX is still reporting and is causing harm to 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 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I disputed the charges on my credit report and advised this company in writing to provide me with a debt validation letter and this has not been done. I contacted the original creditor who stated that they would remove these items which they did and indicated my record would be updated with this collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX   XXXX  filed ftc 40 days ago

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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back on XX/XX/XXXX, XXXX requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-06 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: TX

Complaint narrative:
FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOEXXXX {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I have no idea who Midwest Recovery Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Midwest Recovery Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I attempted to contact Midwest Recovery Systems via Certified Mail, Return Receipt # XXXX XXXX XXXX XXXX XXXX and they not respond. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Midwest Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Midwest Recovery Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Midwest Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: NC

Complaint narrative:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc XXXX days ago

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 2020-07-06 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:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc 40 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AZ

Complaint narrative:
First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for  the period in question showing that I lived in XXXX, AZ and not XXXX, TN. 

XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
For the past couple of weeks I have not been able to logoin to sls.net to see my mortgage. Specialized Loan Servicing customer service is not equipped to assist. They make you hold forever and have no answers. I get the below error message from XXXX browser as I attempt to login " Network error. Please try again later. '' I understand this could be a temporary issue but for weeks on end with no communication? 

Other browsers will not even connect to the login website such as XXXX XXXX and XXXX XXXX. Here is the error from XXXX/XXXX browser " Your connection is not secure The owner of www.sls.net has configured their website improperly. To protect your information from being stolen, XXXX has not connected to this website. 

Learn more Report errors like this to help XXXX identify and block malicious sites ''

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 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$14.00}. I want my money now not in 6 months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: UT

Complaint narrative:
Mortgage was refinanced and closed on XX/XX/XXXX. First payment was due on XX/XX/XXXX and I was required to make this payment by a check. The check cleared my bank on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. 

The bank is claiming I didn't make the XXXX payment. I found this out on XX/XX/XXXX. I tried to resolve with customer service who stated they can see I made a payment but didn't apply it. She could not assist and said she had to email somebody and I would hear back in 10 business days. She told me if not posted by XX/XX/XXXX I would incur a late fee.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent ftc to experian with all the non accounts that were not mine XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$10.00}. I want my money now not in 6 months!

Company response to consumer: Closed with non-monetary relief