vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
Radius Global Solutions has called many times and from many numbers. XXXX was the latest. They call asking for personal information concerning a debt collection. It is usually a person very hard to understand due to an accent. They will not say what the debt is for. When asked they will not send mail containing the debt information.

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 2020-09-12 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: GA

Complaint narrative:
I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus

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 2020-09-12 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: GA

Complaint narrative:
I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a credit card with navy federal credit union with a XXXX limit ... my due date always falls on the 5 of  each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
My mother-in-law was moving to XXXX for medical treatment. My wife and I gave my credit card number to her BROTHER to have in case it was needed for incidentals ( food, medical supplies ) before my mother in law arrived. As part of coming into XXXX, due to Covid, quarantining in a hotel is required for two weeks. We were not supposed to pay for hotel reservations, but my wife 's brother gave our credit card information to HIS WIFE, who was NOT authorized to use our card. She booked 2 rooms, for a month, in a hotel in XXXX for the quarantine, using my card. I had NO interaction with the merchant/hotel whatsoever. When I sought to cancel the booking ( through my Brother, as I do  not speak XXXX XXXX, the hotel refused, citing their cancellation policy, which was never provided to me. 

When I filed the dispute to Capital One, my credit card provider, I explained to them that I did not authorize the charge, nor did I enter into any contract with the vendor/hotel. They cited that the hotel had provided them with a copy of their cancellation policy, and asked me to provide additional documentation to prove that the charges should be reversed. 

They asked me for " a refund voucher, '' proof that I tried to cancel, and a copy of the purchase agreement. I told them that I did not have any of these things, since I was not in direct contact with the merchant, nor could I have received any of them, since the merchant does not have my contact information. 

I was able to locate from my brother-in-law, who got them from his wife, some of these documents. However, after submitting them, Capital One is still saying that as I can not provide documents ( which either do not exist, or were never shared with me in the first place ), they can not make a case to Mastercard. 

This is utter nonsense, and my credit card issuer is doing nothing despite my credit card having been used by an unauthorized person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: GA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX with a XXXX limit ... my due date always falls on the XXXX of each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.

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 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last month my credit limit was {$10000.00} and then this month it suddenly decreased to {$2000.00}. I was never notified of this adverse action and it's affecting my services since I put my recurring charges on that card.

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 2020-09-12 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: Conn's, Inc.
State: TX

Complaint narrative:
I bought a Tv last XXXX and used there in house Yes Conns financing. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TX

Complaint narrative:
I bought a Tv last XXXX and used there in house XXXX XXXX XXXX. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.

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 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I sumbitted disputes for 3 collection accounts with Experian : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, XXXX XXXX Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent

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 2020-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
On XX/XX/XXXX a collection from Radius Global Solutions. The account was opened XX/XX/XXXX. I contacted the company by phone on XX/XX/XXXX. I am completely unaware of any debt owed to them or who they claim the original creditor is. I asked for information regarding the debt and the phone representative relayed that the balance came from having lab work done in XXXX. I do not recall having lab work done in XXXX. I asked why I hadnt heard of the debt before hand and the representative stated that they sent letters to an address that I had not lived at since XXXX. During the time I did live there, I never received a bill from them. They stated that they tried to call a phone number that was not mine. While on the phone with an XXXX representative, she informed me that the collection agency reported the account with my name spelled incorrectly. On XX/XX/XXXX I faxed a request for validation of the debt to the collection agency. On XX/XX/XXXX the collection agency updated the status of my account to charge off. I never stated that I would not pay the debt once they had validated the debt. See how this account was allegedly from so long ago and contained multiple discrepancies in the information they had for me, I simply wanted them to validate the debt before I paid them. Instead of honoring my request to validate the debt or delete the account from my report, they decided to not even attempt to validate the debt and to mark my account as a charge off as soon as they received my request.

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 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XXXX2020 I sumbitted disputes for 3 collection accounts with XXXX  : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, MIDLAND FUNDING Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX  reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting false and inaccurate information the debt is being reported XXXX when XXXX XXXX sent me a letter claiming it was XXXX.By law  false information needs to be deleted from 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 non-monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Phone calls being repeated multiple times a day, even after clearly stating that due to COVID the income in my household has been cut to less than 40 %. Not a verifiable debt, not one recall of using there services at all.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the  Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the  consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover marked me down for a late payment in XXXX but i was able to get it waived early XXXX and was told it would be taken off my credit report. My new billing cycle began today ( XX/XX/11 ) and the missed payment has not been taken off of my credit report. I was also told it should not have ever been reported. Was never sent an email about the waive but it shows on my discover app as a " late charge refund. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit  report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my 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 explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my 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 explanation