vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: TX

Complaint narrative:
Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, i received a threatening call from a company called XXXX   XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX  loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX  ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6. XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX   account ( # XXXX ) 8. XXXX account ( # XXXX ) 9. XXXX XXXX credit record ( #  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 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this Charge Off on thisXX/XX/XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On the afternoon of XX/XX/XXXX my mortgage lender and title company, while preparing documents for converting my new home construction loan into a permanent mortgage, informed me that on XX/XX/2018 my neighbor had taken out a {$200000.00} home equity loan on my property which I bought a year prior to this fraud occurring. Somehow his title company included my 1.123 acres as collateral on his loan without my knowledge, consent, or signature. I only discovered this had occurred because I was set to close on my new construction home in less than a week when my title company discovered the lean. This illegal lean on my property is essentially a theft of my land and house. If my neighbors title company can not correct the mistake before Monday the XX/XX/XXXX I will lose my locked in interest rate thus costing me thousands of dollars in higher interest costs, and if the problem is not corrected before mid-XX/XX/XXXX, my construction loan matures and I will potentially be foreclosed on by my construction lender. I contacted my neighbors lender, and they would not speak to me. On XX/XX/2018, I contacted the law-firm who reviewed the loan and they advised they could not provide me the name of the title company that my neighbor used as it would violate privacy laws. He did give me a name and contact number for an individual at my neighbors lender and advised me I needed to have my neighbor call him, as they would not speak with me since I have no account with this company. The lender contact did not answer when my neighbor and I called him. My neighbor then contacted his title company who promptly picked up the phone and advised they were aware of the problem and working on it. As of XX/XX/2018, I still have not heard or received anything from anybody regarding this fraud despite the title company stating I would have correcting documents before XXXX XXXX   Central Standard time on XX/XX/2018.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX   credit record ( # XXXX ) 4. XXXX XXXX XXXX  credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
At XXXX on XX/XX/18 I received a call, was trying to discuss my debt and the tech did not have my information available. He then placed me on hold, approx 10 mins. Never took me off hold and never called me back. on XX/XX/18 I received a call but since I am working I am unable to pick up. They proceeded to contact my sister who has no relation with this debt, nor is on any student loan. She told them she would relay the message. Then at XXXX they contacted my place of work!!! I told XXXX she was not allowed to do this and she said she was and she could. I contacted the number back on my phone and said to take off my work number. How and why is she calling people who are not involved in this debt?! Is this legal! I feel like my rights are being abused by this company by looking up phones numbers to anyone and everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: PA

Complaint narrative:
Portfolio account # XXXX. I have contacted Portfolio recovery associates several times attempting to figure out why they list a collection debt of a credit card not even showing on my report? 

I have mailed twice ( XX/XX/XXXX and XX/XX/XXXX ) asking who this debt belongs to as I have no XXXX XXXX on any bureau and do not know who portfolio recovery associates are. 

I have also disputed this with all 3 credit bureaus. I have asked to see original signed documents of the debt I owe PRA and a contract or something with my identity. The name they even have on their letterhead and billing is incorrect. I have yet to receive anything other than a statement from XXXX? I need to know who and what is going on. A statement ( s ) with not even my name proves nothing to me. 

I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus. I am appalled that anyone can claim to be you and report repeatedly information that isn't even correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I have asked repeatedly for verification of this alleged debt, and even offered many attempts to pay, and all of it has gone unanswered, I have received no correspondence about this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: PR

Complaint narrative:
Back in XX/XX/XXXX Seterus Inc. sent me a modification offer which I accepted. The modification consisted of three monthly payments in the amount of {$410.00} each for a trial Period Plan, which I make all of them : -XX/XX/XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$410.00} Confirmation # XXXX -XX/XX/XXXX {$410.00} Confirmation # XXXX After this Trail Period which I successfully paid, Seterus Inc. allow me to continue with regular payments which I make payments each month till the hurricane Maria Destroyed XXXX XXXX : XXXX XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX After the Disaster Seterus Inc offered me a Disaster Relief Forbearance which I accepted by that time personnel who I talked on the phone told me that after the forbearance I was going to be able to continue with my regular payments. 

Since XX/XX/XXXX I have been calling to start paying my mortgage again but Seterus Inc pretty much are trying to force me to do a foreclosure which I dont want, I just want to continue making my regular payments or make a modification that I was promised at the beginning. 

Also I have been told by phone that the modification from XX/XX/XXXX I was offered wasnt approved, if thats the case why you allow me to pay the Trial payments and then a consecutive 6 months of regular payments. If wasnt approved where that money go.

There are many things here that do not make sense, I hope with this information you can help me to clarify any doubts and help me to keep My HOME! 

There's a trend of predatory Behavior with this Company Seterus Inc. this is not just happening to me only I've been reading thousands of similar cases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation