vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from  XXXX XXXX XXXX XXXX????? I never authorized this company to pull my 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 2018-03-06 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: TX

Complaint narrative:
THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. 

I want this debt removed from all 3 credit agencies immediately. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : XXXX XXXX XXXX Acct # XXXX {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation. 
XX/XX/XXXX They responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( XXXX XXXX XXXX  ) To date ( XX/XX/XXXX)  The Furnisher has not complied with the FCRA. They have refused to respond to my request for information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXXI filed an identity theft report XX/XX/XXXXI called Experian to resolve and was told there is no way to fax documents. I was told to use their upload site. 
XX/XX/XXXX Attempted upload via experian.comXXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXXI attempted to submit the dispute online at experian.com the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute. 
XX/XX/XXXX I sent a third certified letter to Experian requesting the information be deleted. and including the identity theft report. 
Both Experian and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both Experian and the furnisher are in violation of the FCRA.

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 2018-03-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was checking my credit and I seen that I have a few inquiries from American Express that I didn't give consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: VA

Complaint narrative:
My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA 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 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hewitt-Capital
State: CA

Complaint narrative:
Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX XXXX says I owe them money I had asked them to validate the debt and I never received validation.today a very rude lawyer who said he was in Illinois called and said I was on a recorded line and demanding money .I have no knowledge of this account.this man screamed at me and over talked me and threaten to take me to court.i advised him I knew the laws and I needed this supposed debt validated .he screamed louder in my ear and told me I didn't know what I was talking about.i advised him that if XXXX XXXX takes me to court I will sue for fraud and harrassment.i looked at my credit report XXXX XXXX is on it I am not sure how they can do this when I never had a signed contract with them.i am demanding a signed contract be sent to me and XXXX XXXX to remove themselves from my credit report.if this man ever calls me again and screams at me again I will fill out a police report.i am wondering if this is identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has responded to Complaint # XXXX re XXXX XXXX XXXX, credit card # XXXX, by sending me information to the effect that they will be updating information on account # XXXX, XXXX XXXX XXXX. I have never in my life witness such endemic incompetence in all my life! My complaint has nothing to do with XXXX XXXX. It is all about XXXX XXXX, and their failure to correctly report the status of my credit card account, # XXXX. XXXX XXXX XXXX of XXXX XXXX, advised me that they would be contacting all 3 credit reporting agencies so that this " oversight '', allegedly caused by Hurricane Irma, would be rectified -- they had instructed the agencies to " DELETE '' my account. instead of reporting it " CLOSED '', in good standing. XXXX  XXXX is a XXXX XXXX corporation. I don't understand why they can't get this right! This is very simple. A first-grader could do it. My XXXX XXXX credit card account should now reflect " CLOSED '', with all accompanying 4 year credit history attached to it, not " DELETED '', because XXXX XXXX is XXXX that I transferred their balances to another bank! It's as simple as that!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Over the last few months I have been trying to get my credit work done between the three credit bureaus equifax XXXX XXXX and XXXX  they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section 609 you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I checked my credit report and noticed a debt owed to a company that i don't ever recall having a financial agreement with. I mailed the company a letter to verify and validate the debt owed, but my requests were ignored. I disputed the debt with the credit reporting agencies, and it came back as accurate. The following account needs to be removed immediately : Account Name : XXXX XXXX. Account Number : XXXX. Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: CL Holdings LLC
State: IL

Complaint narrative:
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I was never given a trial to discuss my situation. The mortgage company never gave me a fair loan modification base on my type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. 
Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. 
I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. 
I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? 
However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. 
After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. 
On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. 
I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. 
Their business practices are dubious and inconsistent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Security Credit Services, LLC
State: IL

Complaint narrative:
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: AES/PHEAA
State: IL

Complaint narrative:
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
Receivable Performance management ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, Washington Zip : XXXX Phone # : XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication and based on the failed communications. This debt collection agency did not try to reach out to me in enough means before damaging my credit history. 

I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I mailed XXXX XXXX a dispute letter asking the company to verify a collection debt. On XX/XX/2018, I received a credit card statement showing the account was closed and charged off. I have no knowledge of this account. A bank statement is not sufficient proof. I need a copy of a signed credit card application from the original creditor to prove that this debt is mine. I don't recall having this credit card account, nor making purchases on the account. I would like to see a copy of payment history, because I've never made a payment to the original creditor. Please have XXXX XXXX to provide a document bearing my signature or some kind of proof that indicates I've accumulated this alleged debt. Please investigate this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
We got a loan from Advance financial for {$3500.00}, we have been paying up to {$800.00} a month for months now and we checked our balance and it is at over {$4000.00}. How is this legal????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: GA

Complaint narrative:
Receivable Recovery Services , LLC. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Recovery Services , LLC. The only correspondence that I received was a billing statement, in which the amount is different than what is located on my XXXX, XXXX, & XXXX credit report. This item does not qualify as verification per FCRA. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Recovery Services , LLC. is practicing UNJUST ENRICHMENT.

Company response to consumer: Closed with explanation