vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and equifax on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only experian has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and XXXX  on this matter

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 2020-05-26 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: DE

Complaint narrative:
I have contacted all three credit agencies. XXXX, Experian, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
This complaint is with Security Credit Services. I have no debt with this company or it's original debtor. I have received no correspondence from this company ... This is not my debt and they have reported this to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: DE

Complaint narrative:
I have contacted all three credit agencies. XXXX, XXXX, and Transunion asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!

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 2020-05-26 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: DE

Complaint narrative:
I have contacted all three credit agencies. Equifax, XXXX, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: OR

Complaint narrative:
I did have direct deposit until all this stuff happening. I was overdrawn on my prepaid debit card by XXXX and with a {$15.00} fee it came to XXXX and with a {$20.00} order rush it came to {$130.00} which. Was taken out of my account when I received my oregon income tax refund of {$220.00} on XX/XX/XXXX then again on XX/XX/XXXX {$110.00} Was taken out again then another XXXX was taken again but this last one was taken off the registry but it was still taken not spend kept saying it's on there but not taken off. I finally got someone to go transaction to transaction to determine my actual balance and then when he realized I was right he hung up on me so netspend took out the {$110.00} out of my account 3 times so even though on XX/XX/XXXX netspend has the XXXX as a positive to my account but they took it out of my deposit on XX/XX/XXXX then again 2 more times and one of those times netspend erased from my register but in an audit it will be proven just be going through my account transaction after transaction to be technical this is not spend all access

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is reporting my Business Sparks card for {$10000.00} twice on my XXXX  report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In XXXX of XXXX I signed up for XXXX XXXX  to pay my mortgage to Nation Star Mr. Cooper Mortgage company. 
Six mortgage payments from XXXX of XXXX to XX/XX/XXXX were sent to Mr. Cooper. I by mistake entered the wrong mortgage account number on my XXXX XXXX  The correct For 6 months my XXXX  XXXX XXXX was sending these payments to the wrong account. 
At the same time Mr. Cooper was withdrewing the same amount every month through their auto pay and as a result of that 2 mortgage payments were moved to Mr. Cooper every month for 6 months from my XXXX account. 
When I found out 2 months ago I contacted both Mr. Cooper and XXXX  to solve this problem. They are both blaming each other. XXXX people say they have sent these payments and they were accepted by Mr. Cooper and they provided me with the proof of that these payments were accepted by Mr. Cooper. Mr. Cooper says since this account doesn't exist we rejected these payments. 
Not only that but it's taking me many hours every day to contact someone from XXXX  and Mr. Cooper trying to resolve this issue. I have spent so much time for the past 2 months talking to different representatives from both XXXX and Mr. Cooper without reaching a solution to this problem. 
If these payments were sent and accepted by Mr. Cooper and Mr. Cooper rejected them then where did these payments go? My six mortgage payments that totaled close to {$10000.00} are lost and no one seems to know what happened to these 6 payments.

I would appreciate your assistance in resolving this problem. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-26 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-26 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: CA

Complaint narrative:
XXXX ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-26 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: MD

Complaint narrative:
XXXX  XXXX is reporting my XXXX XXXX XXXX for {$10000.00} twice on my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-26 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: CA

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I have contacted USAA and with no resolution. I have also filed a previous complaint with CFPB and in return, USAA continues to call me 3-4 times a day harassing me with voicemails. I have spoke to several representatives from USAA and again, with no resolution, they keep telling me that theres nothing they can do, but yet continue to harass me several times a day with phone calls and voicemails. When I spoke with them, all they did was look for reasons to disregard the financial issues that took place, as well as the worldwide pandemic ( COVID-19 ) that also caused so many people to lose their jobs, including myself. Their complete disregard for these matters and continuance of trying to collect payments is inexcusable. Not only do they harass me with their phone calls, but the damage to my credit report is irreversible, the damage has been done, and further action needs to be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
In XXXX of 2019, a drainage issue caused water damage to the apartment I'm renting. 

By May, my landlord 's insurance provider, XXXX  XXXX XXXX ( XXXX ), resolved the issue and claimed my wife is liable and therefore responsible to pay for the full cost of the damage. 

By XXXX, I had requested both an itemized list of charges and a copy of the insurance policy from XXXX and ultimately disputed the liability claim and subsequent debt collection attempt by XXXX that amounted to about {$15000.00} dollars. 

Months later, in XXXX, I received a call from a debt collector named XXXX XXXX representing Sequoia Financial Services ( SFS ) ( presumably representing XXXX  ). 

By XXXX, I repeated my request for a copy of the insurance policy, this time to my landlord directly. She said she would speak to her broker and I never heard back from either of them. My landlady also informed me at that time that XXXX had tripled her premium causing her to search for new providers. 

In response to multiple calls and letters from SFS, and in good faith, I responded to SFS by sending a written letter via certified mail asking for the following : 1. an explanation as to why we owe the debt a. this included a request for documents including but not limited to the XXXX policy that covers my landlord 's property 2. how much they intend to collect and how they came up with the amount to collect a. this included a request for an explanation of how the debt was created as well as an explanation of how any interest, fees, or any other charges are permitted by law. 

Months later, rather than making an effort to explain the burden of debt in a written response, they decided to call me in what I can only imagine is an effort to further intimidate me and convince me to pay them in full, with interest and without question. 

XXXX couldn't get what they wanted, so they asked XXXX to bully me  and when the front line case worker ( XXXX XXXX ) couldn't handle my request for information, it was escalated to a manager named XXXX who called me and gave rise to this complaint. 

I have responded with a voicemail message reiterating my request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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