vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: TN

Complaint narrative:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX  immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I moved in to XXXX XXXX XXXX in 2013. I informed them my new construction home was being built and i would likely move out before XX/XX/2013. I was informed I would have to be out before the beginning of the any month and still pay that months rent per policy of breaking the lease prior to 1 year. I moved out in XXXX more the two weeks before the XXXX as well as had the apartment cleaned. I also gave them the last check that they requested ( which they cashed in XXXX ). I have never heard from them since until applying for credit and being told XXXX XXXX XXXX in collecting on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Debt was paid to portfolio recovery solutions and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was provided provisional credits in the amounts of XXXX and XXXX for disputed transactions in said amounts which occurred on XX/XX/31, XXXX XXXX. I have not heard the status of the dispute as of yet, however, in the event the credits are reversed, please advise XXXX I require proof of their investigation and info showing I received anything from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've had a XXXX XXXX XXXX visa Chase credit card for the past, 1,1/2year i've been paying it in good standing time never been late on it. On, XXXX18 i wanted, to pay some of my balance off on the card, like i, have been paying fine for the past year an half, i come to find out that my account has been cancelled, I never received, a phone call nor a E-mail, nor any type of communication by mail telling me why my account had been cancelled. When i, called Chase credit card, the fraud department. advice me, that the creditors had sent them an alert saying that my account was fraudulent because, of the address that chase reported, to them, just be advised, that i've had this card for over a year an half and, never had a problem like this. I, called all creditors like XXXX, XXXX, and XXXX, well when i, spoke to XXXX they advice me due to the fact, that chase reported, an old address that i had over 10 years ago, they send an alert to them, and thats what made a fraudulent alert. XXXX, has also told me that they where going to mark it as an error. In order to get my card back from Chase credit they needed, to run my credit again, and i think thats not right since i, had my credit card in perfect standing position with Chase, by Chase running my credit again, that would bring my score down, and i don't think that's right for them to do this. Till this date i haven't received, any information about my account. They also have my correct address ever since i, opened this account, another thing they want to do is to cancel my milage i, have earn since i, had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: IL

Complaint narrative:
I have repeatly call and written Transunion telling them that I do not work for XXXX XXXX a XXXX home. There is no XXXX, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.

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 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have repeatly call and written XXXX telling them that I do not work for XXXX XXXX a nursing home. There is no W-2s, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: AES/PHEAA
State: TX

Complaint narrative:
It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX  several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: TN

Complaint narrative:
Debt was paid to XXXX XXXX XXXX and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

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 2018-09-17 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: TN

Complaint narrative:
Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: FL

Complaint narrative:
On XX/XX/2018 I sent out a certified letter to TRANSUNION in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Transunion 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report 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 2018-09-17 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: TN

Complaint narrative:
2 XXXX XXXX XXXX accounts are still showing on my equifax credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. Equifax has yet to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  accounts are still showing on my XXXX  credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. XXXX has yet to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I have sent IQ Data International, Inc. at least three ( 3 ) Debt Validation letters requesting proof that I owe them any money. I have asked them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I paid the debt off in full to XXXX and I have not received an update to the three credit reporting bureaus that this has been paid in full. When I requested it from the company, I was told it would be reflected and resolved by now in my XXXX XXXX, XXXX, and XXXX credit reporting. It has not been fully resolved, though they have my account reflecting paid in full on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
This is a follow-up to the complaint I originally submitted on Friday XX/XX/2018, Complaint Number XXXX. After my real-estate agent called SPS on XX/XX/18 to confirm that the short sale acceptance documents were received, faxed and emailed on XX/XX/18 and XX/XX/18, she was told we no longer had the option to short sale our home ; that " cash for keys '' was the only option available at this time. SPS sent a letter to me, dated XX/XX/2018, where it gave us options to avoid a foreclosure. The letter, ( also attached again ), had a short sale option with the stipulation that we accept the short sale acceptance letter, sign and send back on or before XX/XX/2018. The letter also states that I have 30 days from the date of the letter ( XX/XX/2018 ) to contact SPS with any questions. My agent and I sent the signed requested documents back to SPS on XX/XX/18 and XX/XX/18, which was confirmed by SPS, then they told her that my options had expired. How can this company get away with false, misleading information being given to consumers about a short sale option ; the requested protocol being followed by the consumer and then they take the option away without any further notice? We never received any further communication in writing, fax or via mail stating our options had expired until my agent called ; now all of a sudden a new letter dated XX/XX/2018 was faxed ( also attached ) to my agent stating that we no longer had the options that was previously offered. That is nothing short of false information and a bate and switch tactic being sent to borrowers. This company can not get away with this, they gave me the option in writing to sell my property as a short sale and that's what we want to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: TX

Complaint narrative:
It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX  and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status

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 2018-09-17 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: TX

Complaint narrative:
It shows on My Experian report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with Experian and they sent a letter stating the information were correct with no proof. I also reach out to XXXXXXXX XXXX XXXX XXXX XXXX of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status

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 2018-09-17 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: FL

Complaint narrative:
On XX/XX/2018 I sent out a certified letter with proof of identification to EQUIFAX in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Equifax 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 

1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 

2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 

3. Date of Last Payment XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 

4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX  : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : No late payment history provided. 

As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 

5. Date opened XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 

6. Monthly payment and number of months are also all reporting inaccurately. 


The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. 

I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: AmeriCollect
State: WI

Complaint narrative:
Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation