vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 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: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-06 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: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I was sued by debt collector Scott & Associates , P.C . for a debt that was believed to be owed by me, however, the case was filed in the wrong county from which I live. This is a violation of the Fair Debt Collection Practices Act, Article 15 USCS 1692i : 15 USCS 1692i 1692i. Legal actions by debt collectors ( a ) Venue. Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions. Nothing in this title [ 15 USCS 1692 et seq. ] shall be construed to authorize the bringing of legal actions by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank Usa Inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX Va, XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX- XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019 requested deletion letter 
XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX   XXXX XXXX
phone number XXXX
XXXX XXXX XXXX XXXX   inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX fl XXXX XX/XX/XXXXXX/XX/2019 requested deletion letter XXXX  XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Doing Credit repair, I contacted Trans Union to inquire and dispute the following on my credit report. 
XXXX XXXX : # : XXXX, listing 2 Delinquency, 1 dated for XX/XX/XXXX and XX/XX/XXXX. 
Trans Union stated they verified the account as accurate but haven't notified nor spoke with any one from XXXX XXXX for an actual verification. 
They have repeatedly failed to provide me with a copy of any viable evidence bearing my signature showing this account is being reported accurately. 
I stated any automated response or XXXX verification is unacceptable. 
Since the claiming they verified the account I requested the names and addresses of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Also, I'm challenging the reporting and compliance on my account with XXXX XXXX that's being reported on my credit report with incorrect/missing information. They're listing a partial account number and not reporting the entire account number, Trans Union is not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. By their improper procedure it's highly damaging to my credit score.

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 2019-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: NY

Complaint narrative:
The XXXX XXXX pediatric dentistry fraudulently attempted to charge me an additional {$1000.00} on top of my originally quoted charges of {$300.00} that they adamantly advised would not be any higher. I disputed this with the XXXX XXXX directly and they were NOT willing to work with me at all other than offer a payment agreement, so I disputed this with the New York State Attorney Generals Office and per my letter from them, dated XX/XX/2019, they ruled in my favor of the original quoted {$300.00} charge. The XXXX XXXX has failed to report this debt as resolved to TekCollect as well as all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I reached out to National Credit Adjusters in regards to an unverified collection of {$1700.00} that had been reporting to my Credit Report for all 3 Credit Bureaus on XX/XX/19 with a Debt Validation Letter and they responded saying they would investigate on XX/XX/19. It is now XX/XX/19 and I have still yet to receive a response with any results of the investigation or validation of the debt. The letter specifically stated I was requesting a response within 30 days. I then reached out to them asking for removal of this debt within 10 days of the letter requesting removal due to no response on XX/XX/19 and it is still showing on my Credit Report. So I am now filing a complaint since I cant seem to get a response from the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage was sold to Loancare from XXXX XXXX, I was advised in writing and verbally that my bi weekly payments would map over the same way as it was set up with XXXX, except for the month of XXXX 2019 and provided me the dates of the auto debit for XXXX however they did the draft on the wrong date in XXXX, causing my account to overdraw. I made several more calls and was guaranteed this is an isolated issue and XXXX would have my proper auto debit dates in place, which it was not and again overdrew my account withdrawing the funds too soon, I spoke to a XXXX, XXXX and a supervisor named XXXX who gave me his employee no.XXXX, as a guarantee that XXXX,. auto charge would start in the 2nd week which is how I had it in the past, then every other Friday, but couldn't give me anything in writing. XXXX stated my letter of transferring the servicing of the loan is all they would provide, which I received but with no payment dates, that was provided verbally when I received my first call to advise of this transition. I had called again this week and another supervisor, XXXX advised I was given the wrong information through this whole process and my auto payments will remain the way Loancare has it set up and can not change it, regardless of what XXXX XXXX  had in place. This type of service is inexcusable and now a struggle to keep my mortgage in good standing. Having the set up with XXXX XXXX was for a reason and they accommodated that need to make sure I could manage my mortgage payments. Loancare is setting up me and anyone else in the same position as I am for failure. This is not fair lending in terms of taking over a mortgage from another company, I need help. XXXX wasn't even certain about what happens with and 5 week month when an extra payment will come out, what kind of service is this?

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 2019-10-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Filed 9 separate disputes via 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 2019-10-06 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: FL

Complaint narrative:
I have been trying to correct XXXX  experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by Experian or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

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 2019-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I asked the bank to stop taking out my hazard insurance from my escrow. They closed my escrow account, sent me a check for the full escrow which I returned the next day. After four ( 4 ) phone calls they still have not reopened my escrow account and have not paid my school taxes which were due on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: MD

Complaint narrative:
On XX/XX/2019 I received a letter from Viking Billing Services indicating that I was being billed for damages to a car rented from XXXX XXXX. The letter indicates the date of loss was XX/XX/2019. I did not have a rental car on this date. Somehow, they also got my XXXX year old Mother 's phone number ( who lives in a completely different state ) and have been leaving messages for her indicating that they are trying to reach me. 
I called XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative by the name of XXXX who instructed me to disregard the letter from Viking as he could not find anything in my file that indicated that any damages were noted in my record for any vehicles for any rental periods in which I did business with XXXX XXXX XXXX. 
On XX/XX/XXXX, I spoke directly with Viking. I was told that despite the fact that the information on the letter I received was not accurate, I was still accountable for the charges because they believed that the car I rented during the previous week " might have been '' the actual rental period/ date that the alleged damages occurred. Since I was involved in no accident and did not have any damages to any rental car I rented, I asked that further information be sent to me regarding the specifics of the actual date of alleged incident, pictures of the damage, and cost estimates for repairs to the rental vehicle in question. The representative from Viking indicated that he would promptly mail these details to my home address. 
After nearly 4 weeks of hearing nothing from Viking, I sent the attached letter to Viking via certified mail indicating that I considered this matter closed. They responded with an additional letter ( attached ) indicating that they are still awaiting payment. I still have not received any details about the alleged damage to a rental car, the date that the damage was discovered, or any estimates on the cost of the alleged damage. 
Please help. I can't understand how a company like this can harass someone to pay for damages for which 1 ) I was not responsible, 2 ) indicates damages occurred on a day that I didn't even have a rental car, 3 ) the car rental agency itself confirmed there was no record of damage to any vehicle I turned in and 4 ) Viking has been unable to produce an evidence of damage or cost estimates to substantiate their claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have been trying to correct ChexSystems experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

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 2019-10-06 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: FL

Complaint narrative:
I have been trying to correct XXXX XXXX etc. for two years now. I was notified by XXXX that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks  sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card  companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: RI

Complaint narrative:
i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair 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 explanation