vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
I sent a letter to National Credit System regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to National Credit System back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a letter to XXXX XXXX XXXX regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to XXXX XXXX XXXX back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my Experian credit report immediately.

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 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
In XX/XX/2018 I received a letter that Weltman Weinberg & Reis had a Discover card debt and said notify them with in 30 days which I did. I went online and filled on the inquiry form and payment plan form. I never heard anything back. Then around XX/XX/XXXX th I get a summons from court. However all that was sent was a statement from discover card. There wasnt any questions or anything. I still filed a response and showed where I was trying to set a payment plan up of XXXX every month. I also sent a letter and this copy to both Discover card ( Adress listed on summons ) as well as XXXX city for weltman. I still have not heard anything back to try to come to an agreement outside of court. Also when I try to log in on their website now they have me Blocked. I have already told them I need to have communication in writing and not verbal because I want it documented. I am trying to work with this company however they will not respond. I do not want to go to court I would like to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Apparently on XX/XX/2018, " SYNCB/WALMRT '' made an inquiry on my credit history. I did not authorize this inquiry and I am not certain why they would even do such a thing. Would appreciate an explaination of why this was done?

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: WY

Complaint narrative:
They reported late payment onto my Credit Report on XX/XX/2018, HOWEVER, I called on XX/XX/2018 to get it removed upon full payment of my account. She agreed to it on the phone and I paid the card in full on XX/XX/2018. 
I called on XX/XX/2018 to verify it and Fidelity Representative stated that it is true that she verbally agreed on the phone to remove the late payment on my account and ensure that it will be removed on the credit report or not be reported at all. She also stated to have had experience doing this. 

Unfortunately it did not happen and the supervisor repeatedly stated it did not matter she said that and they will not remove it.

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 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2018 I was trying to pay my XXXX XXXX bill that is in collection with XXXX XXXX {$24.00} dollars, it wont let me pay anymore. im very mad they had done this before I will get a lawyer and sue them cause this is not right. I was going to pay I payed XXXX dollars last month still there rude idk what there problem is I know its in collection Im paying for it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It appears that you are not taking into consideration the fact that you have not provided the reply to the dispute that was received and signed for by your office on XX/XX/2018. No response was given or replied to the letter of dispute. Based upon FCRA rules and regulations if a response is not received in a 30 day time frame the Item has to be removed from the credit report. You have failed to do so. The so called agency that you continue to lie and tell me that was verified is XXXX XXXX. You have not verified anything for I have spoken to these companies and have been informed that they are not able to verify or report any information what so ever on my credit report do to the status that I have with them. That status is non of your concern, however what is your concern is the fact that I have proof that a letter was delivered to your office that you failed to respond to in a timely manner. If this Item is not removed upon receipt of this letter I will be taking the next step and filing a lawsuit against your establishment as well as the reporting entities that you claim are stating this is valid. This is the last and final good faith given.

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 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
Commonwealth Financial is reporting on my credit report fraudulently in the amount of {$920.00} : * Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX   I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}.

3. As you can see in XXXX XXXX  response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation.

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure XXXX, TransUnion, and XXXX  are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature.

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted.

6. Additionally, as I am sure XXXX   and TransUnion are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more.

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like 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 2018-11-02 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: The Receivable Management Services LLC
State: CA

Complaint narrative:
1. The initial complaint that I submitted is attached and named XXXX XXXX Complaint Detail. 

2. As you can see in Receivable Management 's response, it agreed " to remove any credit reporting placed by XXXX XXXX XXXX XXXX XXXX. '' 3. Receivable Management did in fact delete the {$250.00} entry on my XXXX  credit report. However, the same entry still appears on my XXXX 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 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed through XXXX on XX/XX/2018 - by sending money from my chase bank account to another person and I contacted my bank and they said they wouldnt do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: NC

Complaint narrative:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally pulled credit report XX/XX/18 through XXXX  and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with XXXX  there was no fraud alert.

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 2018-11-02 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: SC

Complaint narrative:
I filed a dispute with TransUnion, XXXX, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

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 2018-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Its a dispute in the amount of XXXX. The company I purchased services from hasnt lived up to their end of the bargin. They provided outdated info and didnt provide a specific discount with XXXX that was promised. I contacted Capital One and opened a dispute. They issued 2 temporary credits. I sent in the requested documents Immediately then they said I failed to send in an expert opinion they requested so they closed the dispute. They never asked me for an expert opinion and are refusing to reopen the case even after I gave them info that XXXX XXXX  is deceptive .CAPITAL ONE HAD NO RIGHT TO STONEWALL ME .THEY PROVIDED NO ASSISTANCE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America sold our loan in XX/XX/2016 to XXXX. XXXX changed the status on the new loan to reflect late charges when the loan was with Bank of America. Then Bank of America changed the name of the mortgage to XXXX as well. Both companies and the credit bureau have cause over 100 point drop in my score because of their wanton and malicious double and inaccurate report of my credit. This change was made as retaliation against my wife and I for holding Bank of America responsible for not offering the Partial Claim on our mortgage before we instructed to not make payments for nearly a year -this destroying our credit. They were required by Federal Law to offer the partial claim, Year did not until nearly a year later. Now that we are holding them accountable, they have double reported delinquency on both an account that was past due and an account that was new and closed. Either Bank of America or XXXX or both MUST correct my credit report. This is outrageous.

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 2018-11-02 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: TX

Complaint narrative:
Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX  on XX/XX/XXXX I made payments since XX/XX/XXXX tellXX/XX/XXXX in the amount of XXXX  thats a total with all payments made by me and, my Insurance company XXXX  also I have gap through XXXX that included total loss plus GPS XXXX  WARRANTY which I only got to use the GPS for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX for GPS. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.

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 2018-11-02 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: NV

Complaint narrative:
I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX  Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX onXX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX  WARRANTY which I only got to use the XXXX  for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX  for XXXX. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing the item on my credit report XXXX XXXX Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX XXXX my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap. 

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX XXXX  which I only got to use the XXXX for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX for XXXX plus XXXX for XXXX. Which was told by XXXX XXXX that will be applied to my balance. 

The reporting of this should be paid and, closed with a XXXX  balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XXXX as, my bank sent them a Teller Check for way more than my monthly payments.

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 2018-11-02 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 in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation