vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with Experian and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

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 2019-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2019, I sent Equifax a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. 

On XX/XX/2019, I received confirmation from Equifax stating that the public record was verified by XXXX on XX/XX/2019. 

On XX/XX/2019, I sent another certified letter with proof that XXXX has no bankruptcy record on file for me and they have 15 business days to delete it from my credit report. 

On XX/XX/2019, Equifax sent a letter still insisting that they got their information from XXXX, which isn't true. 

Today, I come to you because my rights have been violated under the FCRA by Equifax continuing to report a public record on my credit report even after I sent the verifiable proof from XXXX to them, which states that I have no public record with XXXX. I ask that you hold Equifax accountable for their non-verified practices of the law and to demand they delete this public record from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
One XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: CA

Complaint narrative:
One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX   and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CA

Complaint narrative:
This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX  XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
I contracted with XXXX XXXX XXXX to install solar panel on my home Iin XX/XX/XXXXI was told by the salesman that it would take up to 90 days before my service would be in operation.HERE it is five months and i have no service. the financial service wants me to pay them and pay XXXX XXXX ; that means that I am am paying too company for the same service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: OR

Complaint narrative:
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and all debt was discharged as of XX/XX/XXXX. Ad Astra Recovery Services had listed my account as being in active collections on XX/XX/XXXX despite knowing that the debt had been discharged. I disputed it and they removed it from my account on XX/XX/XXXX. Once the claim was closed they immediately re-listed it on my credit report again on XX/XX/XXXX as being in active collections. I have notified my attorney of the fraudulent activity in preparation to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: OK

Complaint narrative:
I have already disputed this amount with XXXX. I was seen on XX/XX/XXXX which was a Saturday. They billed my insurance for {$10000.00} for a in house XXXX  a doctor that had no idea what he was dealing with he was told by me to treat with XXXX he gave me XXXX XXXX. Then XXXX was before knee. He sent me home I returned to ER less then 30 hrs later with XXXX at knee he order another XXXX which was unnecessary and gave me a XXXX XXXX XXXX, XXXX XXXX that did nothing for XXXX. Sent me home and billed my insurance {$16000.00}, then I was XXXX on XX/XX/XXXX cause the XXXX got mid thigh and XXXX XXXX controller doctor came in and started a XXXX  XXXX XXXX   XXXX to fight it. If the doctor what of done his job it could have been stopped the first night but they racked up the bill. I'm willing to take this to court for Mal practice. And until it's resolved with your client I demand you remove these accounts from my credit report or I'll involve cac in any suit that get start. Go head I give you permission for the whole medical report from XX/XX/2018 to the XX/XX/2018. Get  complete itemized statement as well and please send them to me. But I promise before I let you destroy my credit over a bill that should only be about {$2000.00} and the charge XXXX for I will sue everyone one involved. Fill free to contact me by mail I have a new address since visit. To make this easy for you to understand an outside Doctor came in and was paid. The XXXX   was done by XXXX XXXX and was paid. XXXX only provide a doctor the first time and pain medicine. But there billing as if the provided every thing. I am going to get my insurance involved in all this I will get the FTC involved the attorney general involved there frauding the insurance and there getting you opress me through my credit report to pay there's will go to state court I'll take you to federal court under the FDCPA. Please get and review information from your client before you proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Loan sold by XXXX to Newrez. 

Twice Newrez 's website has generated a payment confirmation, the failed to complete the process with my bank. 

Getting zero information from Newrez about this blatant breach of the contract. Apparently not a priority for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ALLY FINANCIAL were no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018

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 2019-05-09 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have made several attempts to verify an account in collections by Resurgent Capital Services directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
A {$75.00} collection charge from enhance recovery collection company from XXXX XXXX XXXX was charged to me. This was an account that was in my wife 's name and had nothing to do with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: TX

Complaint narrative:
I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XXXX and XXXX of 2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original 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 2019-05-09 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:
I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that Equifax is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: MO

Complaint narrative:
Prior to XX/XX/2019, I sent a certified letter to Experian because I noticed on my credit report there was a public record being recorded as accurate, so I asked Experian for a method of verification of this item. 
I know by law they have 15 business days to send me what method and information they used to determine this public record as accurate and verified. However, I didn't hear from them until XX/XX/2019. 
On XX/XX/2019, Experian sent confirmation that XXXX is where they received their information as accurate and verified which is absolutely not true. 
Today, I come to you because not only is Experian in violation of my rights per FCRA they continue to report that XXXX gave them this information. Even after I have sent verifiable proof of documentation that XXXX gave to me, which states I have no public records on file with them. I ask that you hold Experian accountable for continuing to report this public record on my credit file even after I sent them the verifiable information that's needed for them to immediately delete any public records that they contain in my credit profile.

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 2019-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
The school fraudulent advertise that I would be paying lower fees for the school/class. Once started each class was {$6500.00} per class. I dropped the class because of the pricing. Later I was hit with a balance without warning. The loan was sent to a third party vendor NATIONAL CREDIT MGMT which immediately applied for the loan on my credit reports. I paid the loan off timely and was advised that they do not remove credits reporting from accounts. The account was paid n full  immediately. I feel that XXXX XXXX University and National Credit Management was negligent in customers due process and was not in good faith. Ask that being that the account is paid off and the procedures were not ethically correct, that the negative reports be removed from 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 2019-05-09 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: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing the closing of my account for no valid reason. I was never late on making payments on time or going over my credit limit. I'm assuming company closed my account because of non usage for a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My original loan was {$12000.00} I have 17 % interest I have been paying on my loan sinceXX/XX/2015 to day I am only 57 %  paid up on my loan I paid {$270.00} on time payments every month for the last 4 years I believe they are charging me over contracted interest rates. I believe this to be illegal and/or discrimination by Ally financial

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 2019-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XXXX : Wells Fargo- After getting a notice that I had reached my Savings-to-Checkings limit ( which the warnings did not count down ; what  constituted a S-t-C transfer, etc ), my checking account reached {$0.00}. The pending charges on my checking are being " Overdraft Protected '' one by one, and then being charged a " Excess Activity  Fee '' every time because it counts as a Savings-to-Checking transfer. 
XXXX : I'm stuck in a vicious circle that's resulting in needless fees, and after explaining to WF what is happening, they only offered 50 % fee-forgiveness, which is unfair as it's the first time this has ever happened.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged {$190.00} on my Citi card by XXXX XXXX XXXX in XXXX Oregon XX/XX/XXXX. I have tried to get a copy of the charges to make sure they are correct and can not obtain one. XXXX tells me they charged me without any hard copy and XXXX states they charged me based on what XXXX reported. 

The last dealing I had with the XXXX XXXX location was XX/XX/XXXX. I do not mind paying for what I have contracted for but I also do not believe I should be paying for something without being provided with written documentation as to what the charges are for.

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 2019-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
agent who did not identify themselves but trying to collect under the name of carrington requesting monies owed when discharged in  bankruptcy.would not leave initially kept harassing wanting money. these gestapo tactics will not be tolerated.agent was out of line

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
I am a victim of identity theft and despite the fact that I have sent in all identification documents reiquired and all the law enforcement documents required by FCRA Section 605B, Experian is responding that they can not verify my identification.

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