vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and Equifax credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my Experian and XXXX credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX  via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX  deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

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 2019-12-13 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: TN

Complaint narrative:
I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have written to Portfolio Recovery Associates, LLC with a final letter by certified mail ( cert # ending XXXX XXXX on XX/XX/XXXX2019,  requesting proof of an expressed agreement between me and the creditor or the collection agency, any insurance claims or judgments. Portfolio has not responded to my XX/XX/XXXX certified letter but instead bypass communicating with me, to communicate with the credit agencies to publish the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My Transunion report shows XXXX XXXX is not reporting every month from the beginning of ALL my timely car payments. 

XXXX XXXX ( a finance co. ) refuses to give me my amortization schedule for my paid in full loan here. I am entitled to have it -I am a consumer.

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 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Loan for a new vehicle was refinanced out of USAA. USAA received payment from the new bank which the loan was received from. USAA then proceeded to continue to charge my automatic payment amount for $XXXX  on XX/XX/2019 despite the loan being paid off on XX/XX/2019. When speaking to USAA they would not refund this payment until they received it in their bank and I was instructed to call 2 business days later. A full business week has passed since the incorrect debiting of my account and they still will not issue a refund since they say they have not received the funds despite it being removed via automatic payment. The funds are being deposited into a loan account that has already been closed and thus I do not have access to see if it has arrived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following was sent to XXXX and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from XXXX have had a negative effect on my credit profile : 1.  The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XX/XX/XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for XXXX to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/2019 I file a transaction dispute on my CA XXXX XXXX   card for {$180.00} that is not mine. This transaction was on XX/XX/2019 via pin. The card was with me at all times. The area where the transaction happened is out of my county. I just learned today that my dispute was denied and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
On XX/XX/2019, Diversified Consultants , Inc is attempting to collect a debt. While I do not remember the debt and has not refused to pay, I requested that the collector validate the debt under Fair Debt Collection Practices. My final letter to the collector was sent via certified mail ( cert # ending in XXXX ) on XX/XX/2019 requested the aforementioned. Collector has opted NOT to communicate with me but communicate directly with the credit agencies AND provide false and/or unverified information despite my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 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 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent.

___ On XX/XX/2019, I reviewed my credit reports and saw a newly reported collection account by the respondent regarding an alleged medical debt. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/2019, I disputed the debt directly with the respondent in writing. In my letter, I requested only a few of the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name of the creditor, or the amount owed. 

___ On XX/XX/2019, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ On XX/XX/2019, I received the results of the investigation from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached Exhibit ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection activity while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.

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 2019-12-13 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: NH

Complaint narrative:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 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 non-monetary relief
Consumer complaint received 2019-12-13 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: Synovus Bank
State: NH

Complaint narrative:
My synovus check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX SYNOVUS BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
I pay all of my mortgage payments through my bank 's online bill pay service. All payments have gone through and have been deducted from my bank account. For some reason my mortgage company did not apply my XX/XX/2019 payment to my mortgage. I have spoken with numerous different people at the mortgage company ( XXXX XXXX ) and I have sent them the documents they have requested and they are still refusing to credit my account. I spoke to two different people recently who reviewed the information I sent and they both told me that it was adequate proof of payment and they would get it resolved within 3-5 business days. However, I finally got in touch with a supervisor and she said that they need additional documentation. I have spoken with my bank and they have sent me every proof of payment they can think of and I have forwarded all of it to my mortgage company but they are still refusing to credit my mortgage for my XX/XX/XXXX payment. Can you help please? 
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 2019-12-13 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: Amsher Collection Services, Inc.
State: NH

Complaint narrative:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : AMSHERCOLLECTIONSERVICES XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: NH

Complaint narrative:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: NH

Complaint narrative:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 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 non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
PART 1, ACCOUNT : 1 : They close my credit card account without my permission.

2 : When I ask how to reopen my credit card account. They basically told me that they can't. BUT, I can reapply for a new credit card.

3 : After waiting for while for them to contact me about my c. card app.. I checked online for my status on the app.. It could not find my app anywhere in there system.

I filled out another app.. Again, it could not find my app anywhere.

3-5 apps later. Same thing. Including 1 app I did at my local Best Buy.

( IT CONTINUES IN PART 2, not just yet! ) 4 : Was FINALLY able to finish or get an update on my apps when I called them. They littery asked me the same questions that was on the Credit Card apps!

4.5 : For some reason, even tho I have a " Excellent '' credit scores of " XXXX '', I could not " Qualified '' for the same Best Buy Credit Card I had that they closed without my permission. 
They CLOSED my account that has NO FEES, and want me to get a card that has a $ XXXX  yearly FEE with a HIGHER interest rates!

PART 2, ONLINE : I was unable to log into my account on the website anymore after I sent them a Secure Message.

On the website, it keeps on asking me Security Questions that I pick out years ago. 
There is big problem, I FORGOT the answers I did for the Security Questions I picked out years ago. 
The only way I get access to my account is threw the Best Buy app. When I tried to change/update the Security Questions/Answers, it wants to answer the Security Questions that I forgot the Answers to. 
My 1st secure message to them was about " Part 1 ''.

My 2nd secure message to them was mostley about " Part 2 '', THEY REFUSE ANSWER my 2nd message.

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