vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My daughter goes to school at XXXX in XXXX, HI ; she is XXXX years old. She wanted to buy a car so I told her I would co-sign on a loan for her. I received and filed out a credit application form from Pentagon Federal Credit Union ( PENFED ). Some time later I learned from her that she had gone in to the dealer and signed the load papers and left with the car. They had not sent the promissory note to me to sign. I was, in fact, not going to sign the load until we negotiated the price down. I believe she paid about {$1500.00} to much for the car. I talked to one XXXX XXXX ( spelling? ) XXXX XXXX XXXX at PENFED and he told me he found the promissory note and he could see my daughters signature and where I was supposed to sign it was blank. I then contacted XXXX and their records indicate that I am on the loan with PENFED as sole owner of the loan. I also filled a dispute with them. Basically it seems to me that I am an owner of a loan that I did not sign for. This seems like fraud to me.

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 2015-04-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pinnacle Asset Management, LLC
State: FL

Complaint narrative:
Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
I worked with a real estate agent in XXXX KS who helped me buy a house which ended up needing a structural engineer and an inspector to pass for the loan, the inspector said NO, the engineer said yes, but the house has significant structural damage and excessive repairs that exceed the loan amount. Ive never lived in the home for 8 yr but paid on it. Asked XXXX to buy back loan within XXXX of loan they agreed but never did. I am on XXXX and house is uninhabitable and was lied to from real estate agent to engineer to XXXX, the loan was sold to XXXX XXXX XXXX who would not listen, now its with Penny Mac.I 'm facing XXXX. No mechanic, inspector, or the like will work on the home due to the liability. Attorneys and everyone is afraid of the costs, I just want my loan money back and my good credit restored. I am homeless, this should never have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
i was issued a payday load through Green Trust Cash. I recently had death of my mother, lost time from work and unable to make payments. Company was notified and then they turned me over to collections, company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Civic Financial Services, Inc.
State: FL

Complaint narrative:
I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae took out money from my bank account when not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Innovative Collections, LLC
State: CA

Complaint narrative:
Innovative Collections has several paid collections listed on my credit report. They have illegally re-aged the date resulting in a false date of first delinquency and causing this to be left on my credit report longer than it should be. In addition, they have the payment amounts and dates incorrect. There are several things wrong with their reporting which are negatively impacting my credit rating and ability to obtain new credit, including a mortgage. My wife is XXXX, we have a XXXX, and we are looking to purchase our first home.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
My card was missing and I reported my card lost on XX/XX/XXXX. The representative that I spoke with told me that they were sending me a new card and a dispute form to fill out, because they were unauthorized charges on my card. Two weeks later, I have yet to receive both items. I called Rushcard again and was told that they did send it, even though I have yet to receive it. After arguing with a supervisor, they sent my dispute form In two hours. They also told me that during the process, then I will be receiving a provisional credit onto my account while the investigation is takin place. I turned my dispute forms in on XX/XX/XXXX, and on XX/XX/XXXX, they informed me that there was nothing wrong with my account! They then tell me that I can file a rebuttal letter against them in order for them to re-open my case. I sent in the rebuttal letter three times and they told me various excuses as to why the fraud department could n't look at it. One representative even told me on XX/XX/XXXX that if I turn in my rebuttal letter, then I would have a provisional credit placed on my account. Throughout this time period, I still have n't received my new card. They said they sent it on XX/XX/XXXX and it is now XX/XX/XXXX. According to them, my card should have been here from 5-7 business days. Not only do I have a card, but I have also endured a loss of money because they failed to investigate the disputed amount that I inquired about. Because they failed to comply, I am filing this complaint, a complaint with the Better Business Bureau and I will also contact an attorney to sue, because of the loss that I had endured while dealing with Rushcard and their representatives and the damages they have caused. I am missing almost {$900.00} out of my account and they failed to investigate that and to give my money back. Because of that, I am at risk of falling behind on expenses that is needed to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX phone call an account was open in my name when ask for info there was a check in which was in my name XXXX sent without my request and cashed the were no info of where it was cashed was a odd amt. {$600.00} File a police report a copy was sent to equifax. I am XXXX has XXXX I am a XXXX Veteran never applied for a payday loan.I would like to block XXXX From reporting anything to my file I file a fraud report. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2017 I counted my money in preparation to deposit in my business checking account the next day, i had a total of {$6300.00}, i am sure i strapped {$5000.00} worth of money. XXXX bundle of $ XXXX= {$2000.00}, XXXX bundles of $ XXXX {$1000.00} for a total of {$2000.00}, and finally XXXX strapped bundle with {$800.00} worth of {$20.00} 's and {$200.00} worth of {$50.00} 's equaling {$1000.00}. That totaled {$5000.00}. the remaining money was loose money of various denominations for {$1300.00} The next day on XX/XX/2017 at aroundXXXXXXXX i entered wellsfargo at XXXX , FL XXXX to deposit money for my business bank account. the teller XXXX took my money and used the counting machine, his back was turned to me and he was covering the machine with his body. the counter was high and from my view i could not see the led read out of the machine that gave the total. he proceeded to use the machine the first {$2000.00} bundle was correct. the second bundle of {$1000.00} was correct, the next bundle of {$20.00} 's was short {$200.00}, i thought he miscounted or the machine was n't set to count the right amount of money because of the inclusion of {$50.00} 's. He said he had the other bundle that had the {$20.00} 's and {$50.00} 's mixed together and proceeded to remove XXXX {$20.00} 's to make the previous short bundle of {$20.00} 's to total {$1000.00}. He counted the remaining money using the machine. I told him i had a total of {$6300.00}, but he counted the money again and said it was short {$200.00}. He gave me readouts from the counting machine for the loose money but did not give me a readout for the grand total. I withdrew {$100.00} from my wallet and {$100.00} from my personal checking account to make the business deposit whole. I can not stop thinking that when he was counting the money with his back turned to me that he could not have slipped money into into his open suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Service Inc (Closed)
State: FL

Complaint narrative:
I am unable to take calls at work I advised the collector to send information to my email address they called my work phone over XXXX times back to back

Company response to consumer: Untimely response
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc
State: TX

Complaint narrative:
I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-17 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Keaveney Legal Group, LLC
State: NJ

Complaint narrative:
hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: RSB Equity Group, LLC
State: NJ

Complaint narrative:
I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.

Company response to consumer: Closed with explanation