vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
On XX/XX/XXXX I sent the student loan payment for certified mail. I noticed that OSLA the student loan administrator didn't make cash the check. Also I received calls on XX/XX/XXXX at XXXX XXXX ( phone XXXX XXXX XXXX XXXX ) asking me to subscribe to automatic loan payment. also OSLA sent it to me two emails on XX/XX/XXXX asking about same questions and let me know I didn't the payment. Tired of that situation on XX/XX/XXXX, I sent to OSLA and email requesting to cash the checking that I can proved was sent it for certified mail, ALSO REQUESTED THAT THEY STOP THE HARRASMENT AGIST ME AND STOP TO PUSHING ME TO DO STUDENT LOAN AUTOMATIC PAYMENTS AND ALSO, REQUESTEM THEM RESPECT MY RIGHTS. 

Concerned with that situation I sent it again for certified mail on XX/XX/XXXX my student loan payment of XX/XX/XXXX, Again in XX/XX/XXXX I noticed that the check was not cashed again for OSLA. Inmediately the same day I sen it to OSLA a new email requesting to make cash the payment and STOP THE HARRASMENT AGAINST ME. 

To prevent problems with next payment of XX/XX/XXXX, I sent it again for certified mail the student loan payment with one month of anticipation. 

OSLA ANSWER MY EMAIL OF XX/XX/XXXX IN A VERY NOT RESPECTFUL WAY : they left message in my box mail ON XX/XX/XXXX, from phone number XXXX XXXX XXXX XXXX at XXXX XXXX  ( inappropriate hour to do that call too ), asking again for a payment that I did in XX/XX/XXXX. In addition OSLA sent it me four emails the on XX/XX/XXXX and XXXX requesting me to do a payment that I did in XX/XX/XXXX for certified mail. 

I am concerned about OSLA RETALIATION, they are not helping me and are affecting intentionally my credit, credit scores and credit in general. 

I REALLY NEEDS YOUT URGENT HELP, OSLA BEHAVE LIKE I DON'T HAVE RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
According to the Debt Collection Practices act the alleged debt was disputed and or requested for validation. Multiple validation requests were submitted to Bank of America. 
Notice request for validation 1 : XX/XX/2019 Notice request for validation 2 : XX/XX/2019 Notice request for validation 1 : XX/XX/2019 None of these requests were answered in accord with the Debt Collection Practices Act. 
809. Validation of debts : ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a letter from Chase bank on XX/XX/XXXX, but I was not sure if the letter was legitimate. The letter asked for private information, including my social security number. The letter also provided a phone number, which I chose not to blindly trust. Therefore, I called Chase card services to verify the authenticity of the letter. After all, I only have credit card accounts with Chase. When I called card services, they had no idea about any letter sent to me. Therefore, I told them that the letter is probably fraud and I chose not to act on the letter. On XX/XX/XXXX, Chase sent me a letter telling me that they closed my accounts and my credit cards because I did not act on the letter. I am unable to use my Chase credit cards. I called Chase credit card services and they can only see that my account was closed. They can not see that I got a letter from Chase bank.

How can Chase bank and Chase credit card services be so disconnected? It's dangerous to expect  consumers to trust a phone number in a letter because a fraudster can easily sent a letter with a fraudulent phone number, where the phone number connects the unwitting consumer with the fraudster. I have been sent fraudulent letters asking for personal information for verification purposes before ( I believe it was a fraudster pretending to be XXXX XXXX XXXX ). It is dangerous to set an expectation for the consumer to trust a phone number listed on a letter. Chase card services should know when Chase bank sends a letter threatening to close the credit card account if social security forms are not submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is not reporting my mortgage from XXXX ( XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Trans Union : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX M XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.

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 2020-01-20 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: NV

Complaint narrative:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : XXXX XXXX : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2020-01-20 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: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I filed a complaint against Ford motor credit company and they responded with a bunch of lies and incorrect information and not complete information. There was a car that was purchased back in XXXX according to them and it contained a person that had a different 1st name different middle name different address different work information different phone number and different email address than I do because I've had these verified and proven to ford that I never had a different 1st name or middle name my whole life on my social security number and I've had the same phone number for over 20 years and same work for over 37 years. They claim my police report didn't clear me of the account 's claimed because of death of the offender. Ford clearly lies because number one the statute of limitations is only 5 years if there was anything criminal and this police report was filed 9 years ago. The car purchase with Ford was over 14 years ago. My claim is ford did not do any investigation that the law requires with all this information I'm giving. now talking to the police has nothing to do with finding out if that person that purchased the car back in XXXX was me because everything I showed is filed in courts or part of the federal record and not guessing like Ford is doing or jumping to the wrong conclusion like Ford is doing. 
I also showed the XXXX findings of my identity theft to show that somebody else obtained a driver 's license with my information just a different name and address and used that fake id to commit id theft for XXXX of accounts. 
Courts found these accounts were NOT mine. Ford lies and damages me with their wrongful conclusions and findings. 
Force Ford to answer to THESE CLAIMS not what they cherry pick about.

1. Different name on account and XXXX. 
2. Different work info.

3. Different address.

4. Different phone number.

5. Different email address. 
The language in the CMPD report, clearly names the crimes committed and says i am exceptionally cleared of those crimes. 
No ambiguity, and 2 of the accounts took me to court and had to voluntarily dismiss the suit. They were wrong and had to admit it. This was XXXX. 
Ford is wrongly finding me guilty of this fraud, with no evidence, no proof or contadictory documents that i gave them, all cerified and verified by state or federal agencies and notorized.

Please have Ford address these issues, they refuse to give me any of these jnternal documents because they know those documents are INFERIOR to mine. Losing case in any court of law. They are arrogantly lying with no shame, and refuse scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NM

Complaint narrative:
Debt was for XXXX added to credit report. Original debtor was XXXX XXXX Hospital in XXXX or XXXX, nm. I did not live in XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX so debt can not be mine. Even if i was at yhe hospital I have XXXX to pay the medical bills since XXXX. So the debt is false and not mine. Needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a complaint XXXX. I spoke with a representative of XXXX. I was informed that the incorrect information would be removed regarding the account at issue. XXXX has failed and refused to correct the inaccuracies that resulted from their internal policies and procedures. XXXX has not only punished me for error. They canceled my account without notice or any type of due process, or even a cursory review of facts and proffered evidence. 

Notwithstanding, XXXX has without cause cancelled my account that I had with XXXX for over 20 years. XXXX has cancelled my account and now states that XXXX will give me the opportunity to reapply. XXXX is fully aware that after 20 years of being timely with XXXX and all my creditors. I have retired and no longer have the financial power that I had before retiring. 

After having credit worthiness to obtain car loans, credit cards, and purchase three homes through the VA. After working and being financially responsible, XXXX set this entire situation in motion in whats appears an opportunity to discredit me knowing my insular and unprotected status. I am requesting that I be allowed to forgo any further internal procedures that XXXX is not inclined to respect. I am requesting that I be allowed to proceed directly to the proper judicial in an effort to be fairly heard, treated with some decorum of legality. 

Thank you

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 2020-01-20 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: NY

Complaint narrative:
Ive been a victim of identity theft. Equifax removed all the fraudulent accounts that were reporting, but left the inquiries from the fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: TX

Complaint narrative:
CRA is reporting prohibited information. XXXX XXXX XXXX has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, Texas XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. Texas XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with Experian, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing 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 non-monetary relief
Consumer complaint received 2020-01-20 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY 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 monetary relief
Consumer complaint received 2020-01-20 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKEXX/XX/XXXXTO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY COMPLAINT IS WITH EQUIFAX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT

Company response to consumer: Closed with explanation