vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Certified Credit Reporting, Inc.
State: OH

Complaint narrative:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Innovis
State: OH

Complaint narrative:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Credit Plus Inc
State: OH

Complaint narrative:
Dont recognize, have not applied for anything in 3 years. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TX

Complaint narrative:
There are two student loan accounts called XXXX XXXX XXXX XXXX  that were opened back in XX/XX/2013. It shows I was late once on each one and never been late on those payments. I sent a certified letter twice to Transunion XXXX and XXXX.   They sent a letter saying the creditor disagrees but never sent proof. I sent a certified letter to the address on my credit report for XXXX XXXX XXXX XXXX  and I found out the location is permanently closed. Finding this out I sent a letter and copy of paper showing the place is closed and if the credit beuaru validated this, who did they contact to verify this one late payment was accurate? This information has been reporting false on my credit for some time and my complaint is that these credit beuaru are not truly validating and supporting sufficient evidence the claim to be true.

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 2018-08-22 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
They repeatedly call and ask for someone else. I tell them who I am, but relentlessly continue to harass me asking for this other person. I have had this number for about a year now. They call 3 times a day, day and night for the past two months that I can remember. They are called RPM debt collectors. I do not have any connection with this garbage company.

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 2018-08-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.

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 2018-08-22 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Dont recognize, have not applied for anything in 3 years. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Dont recognize, have not applied for anything in 3 years. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Bank of America transferred my title to XXXX XXXX by fraud upon the court. Racketeering, forgery, false affidavits, mail fraud, wire fraud, FALSE PROOF OF CLAIM, EXTORTION TO PAY OR SEIZE MY PROPERTY. A {$130000.00} refinance was grossly inflated to {$430000.00} debt filed in the Federal bankruptcy court seeking relief to go back to the State court for eviction. They took away my homestead exemption since XX/XX/XXXX. I AM NOT IN DEFAULT BY PROVSION 4. THE DEBTORS RIGHT TO PAY OFF THE LOAN IN FULL. 8 years litigation (XX/XX/XXXX -XX/XX/XXXX ) instead of fixing errors. QWR never fixed. {$54000.00} in illegal kickbacks added to my debt. Countrywide was a scam not a mortgage loan. We all know it. I demand my property returned and my title restored. The certificate of title was fabricated as well. No legal chain of title. No bank will finance this property FACT. TEXAS NOTARY XXXX XXXX XXXX was a willing participant with the XXXX XXXX XXXX XXXX IN XXXX - RE FILING inXX/XX/XXXX-XX/XX/XXXX the same documents to steal my property thaXXXX XXXX XXXX XXXX fabricated. So, is racketeering legal if you work for BANK OF AMERICA - is forgery legal??? No justice in 8 years. WHO PROSECUTES, WHO INVESTIGATES?? PRIVATE auctions are held to cash only investors and foreign investors Why? Because no bank will finance title fraud. Not one investor bid on my property because of the title damage. 5 law firms are guilty of civil theft aiding Bank of America XXXX and a XXXX XXXX XXXX   ( 1 ) this is a felonious intent with malicious harm to evict with no legal standing. XXXX XXXX  was sent 2 certified letters to resolve and took no action for pay off. I am not in default, I can afford a mortgage, but not extortion. I want an investigation and my property returned, title fixed, homestead restored.The government needs to be transparent and I request full disclosure under the freedom of information act - why has no one has taken legal action of crimes of property theft in FLORIDA. Why is an XXXX XXXX   over the age of XXXX constitutionally mandated to retire working full time at age XXXX?? violating constitutional law and aiding Bank of America to steal my property?? I want an investigation that has been swept under the rug for 8 years. Sincerely, 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 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
NAVIENT INCORRECTLY APPLIED PAYMENTS ON MY PRIVATE LOAN ACCOUNTS. I HAVE A SEPARATE PAYMENT FOR AN INTEREST LOWERING PROGRAM WHERE I PAID ROUGHLY {$380.00} AS A MONTHLY AGREEMENT. THEN. I HAVE A XXXX  PRIVATR LOAN WHERE THE PAYMENT WAS ROUGHLY {$42.00} PER MONTH. ON XX/XX/2018 AND XX/XX/2018 NAVIENT INCORRECYLY APPLIED MY XXXX LOAN PAYMENTS TO MY OTHER PRIVATE LOAN ACCOUNT. WHEN I SPOKE TO A NAVIENT REP PREVIOUSLY HE SAID MY ACCOUNT COULD BE DRAFTED AS ONE DEBIT EACH MONTH BUT THE PAYMENTS WOULD BE APPLIED TO THE CORRECT ACCOUNTS. DUE TO THEIR ERROR, MY ACCOUNT IS SHOWING OVER 60 DAYS PAST DUE. IF THESE PAYMENTS ARE NOT APPLIED CORRECTLY SOON. I WILL FILE A LAWSUIT AGAINST NAVIENT FOR INCORRECTLY APPLYING MY PAYMENTS WHICH CAN RESULT IN LATE FEES AND NEGATIVE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TN

Complaint narrative:
ACCOUNTS- PUBLIC RECORD- BANKRUPTCY- # XXXX COLLECTION ACCOUNT- XXXX- # XXXX THIS IS THE FIFTH LETTER I AM WRITING TRANSUNION TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED TRANSUNION TO VERIFY THE FRAUDULENT BANKRUPTCY and fraudulent collection account XXXX  VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have documentation since XX/XX/XXXX that I have been removed from XXXX XXXX. But Transunion states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Transunion has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified.

The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD.

I HAVE LETTERS FROM XXXX  and THE BANKRUPTCY COURT but Transunion just ignores my lawful request and keeps this fraud on my account.

THE credit bureau CAN NOT LAWFULLY USE A 3RD PARTY SOURCE OR XXXX  to verify accounts.

IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX  BECAUSE IT IS UNVERIFIABLE unless Transunion pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase.

XXXX IS NOT VERIFIED EITHER. THEY ARE A 3RD PARTY COLLECTOR.

They also keep this FRAUD COLLECTION on my file from XXXX. And I have no contract with this company and it has been removed from XXXX & XXXX

I am including all my documentation in this correspondence along with Certified mail so I can document Transunions FRAUD FOR LITIGATION if they verify these two fraud accounts. If it can not be verified then DELETE IMMEDIATELY.

YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.

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 2018-08-22 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:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received a copy of my XXXX  credit report and saw that XXXX XXXX was reporting I owe them {$640.00}. 

I sent letters to them in XX/XX/2018, certified mail ( tracking number XXXX ) which was received XX/XX/2018 and XX/XX/2018. In these letters I requested that they validate this debt. They have not responded but are continuing to report this inaccurate and invalid information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted Capital One at the end of XX/XX/XXXX, beginning of XX/XX/XXXX in an attempt to do an extension on my XX/XX/XXXX car payment, due to some extra expenses. The extension was denied, however nobody was able to explain to me why or what are the requirements to obtain one in the event that I need it in the future. All they could say was that " the system '' did not show it as an option ; that " the system '' makes the decision based on my " account status '' ... but were unable to provide what information is fed to the system in order for it to produce said results. As an XXXX XXXX XXXX I was left feeling that the denial is due to a fear from the lender of being unable to repay due to my race, sex and relationship status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX  for XXXX dollars.

Link : XXXX XXXX XXXX  Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX  I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX  company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never  apply for anything. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I believe Chase is violating federal law in how payments are applied. According to the Credit Card Act of 2009, lenders are required to apply payments in excess of the minimum payment to the balance with the highest interest rate first. This hasnt happen in my case. I have a balance transfer balance of 0 % APR and while I know purchases carry interest immediately, I made payments each time after those transactions posted. Customer service explained to me that payments are applied to the statement balance first before other transactions. That means its not possible to pay off high interest transactions while a balance is carried until after the monthly statement is provided? The law doesnt say anything about statement balances in payment allocation. No other bank does it this way. Ive used other credit cards with different balances and never had this issue before. It started with a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, and a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX The last statement shows a purchase balance of {$360.00} that should be close to XXXX. I was charged a {$7.00} interest charge the last couple statements that Ill like credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: MO

Complaint narrative:
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX {$950.00}

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 2018-08-22 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: MO

Complaint narrative:
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX  {$950.00}

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