vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2021-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2021-02-23 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/2018 {$550.00} I have no knowledge of this company. I have no knowledge of this false debt. Please delete immediately from my credit report. This company has inaccurate / false information. Please delete this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I retained a company local to zip XXXX, XXXX XXXX, to fix my air conditioning. They came to my home, which is on an island, on XX/XX/20 and charged {$140.00} for an assessment. I paid by check. They told me it was a part under warranty ( unit was only four years old ) and that it should not be much - there was no formal estimate but they came back to fix it on XX/XX/20. They told me it was fixed and charged me {$780.00}. At the time, they could not show me what those charges were due to Covid and i requested a breakdown of charges because they said the part was under warranty. They said it was labor and also they had cleaned a bunch of parts and it included a future visit to recheck. They couldn't provide a breakdown and i did NOT sign off on the services provided. They told me they would send me a bill copy when they got back to the office and to let them know if there was any issue. They demanded payment so i used my Chase Visa to pay, believing Chase would support any issue i had with the transaction. XXXX never sent a copy of the bill until nearly 10 days later and in the meantime, the air conditioning was still not working. XXXX sent me a quote for an additional amount to replace the compressor for {$1500.00} which included a CREDIT for the amount i had already paid! Obviously i did not have faith in this company and had the company that originally installed the unit, XXXX XXXX, quote me a price which was {$1800.00} which i accepted. They completed the work on XX/XX/20 which was the soonest they could get to the island in the summer. I also paid the {$1800.00} on my Chase visa. XXXX XXXX said XXXX had broken a part and valve also which they had to replace. The air conditioning was fixed. XXXX XXXX made a warranty claim on the compressor they replaced but found XXXX had already made the same claim ( despite not having the original compressor )! XXXX did not respond to my further inquiries and I disputed the charge from XXXX several times and spoke to numerous people at Chase. I explained to them XXXX was committing fraud. They refused to do anything or credit me for services not rendered or received as expected/paid for. After my first dispute they told me to redispute for a different reason then told me i was out of time as it had been more than 60 days. I refuse to pay the amount of {$780.00} to Chase or the associated interest. I have an excellent credit score and history and have never had any credit trouble despite divorce and numerous job losses. I have talked to Chase Collection and requested they not call me any more about this charge and explained to them why i will not pay however they continue hounding me. I'm attaching all the documents in reference to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CL Holdings LLC
State: NC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolutions Is reporting this debt as accurate and current, when it is not. I have been XXXX since 2018. I settled all open debts for less than what was owed when I knew I would not be going back to work. They refuse to remove the debt. They keep claiming this debt is valid and they keep XXXX  up my credit because they want me to give them money. They have threatened to sue me and put me in jail for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I tried to do 2 wire transfers from my XXXX  XXXX XXXX account to my Gemini account to buy bitcoin. These are all legitimate funds that I made investing in stocks and crypto over the past several years. I broke it up into 2 transfers because XXXX XXXX XXXX XXXX online system had often in recent history not allowed me to do transfers over a certain amount. For some reason, Gemini rejected both transfers. The transfers were made on XX/XX/21. One was for {$900000.00} the other was for {$950000.00}. The {$900000.00} rejected transfer was properly credited back to my XXXX XXXX XXXXXXXX account on XX/XX/21. I have not received the rejected {$950000.00} wire transfer back in my XXXX XXXX XXXX account ( and it isn't in my Gemini account either ). 

Gemini literally has no support - no way to reach them. I've contacted them through messages on XXXX  and email over the last week with zero response. XXXX XXXX  XXXX has very little support as well, although they did at least respond to my XXXX message saying they are looking into it. 

I am worried sick ( literally ) about the whereabouts of my {$950000.00} transfer. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Barclays Bank Delaware. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit 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 2021-02-23 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: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA INTERNATIONAL INC/ [ collection company ] /XXXX XXXX [ 7k plus ] : Credit Bureaus : XXXX XXXX I've removed this from my credit, on 2 Separate occasions, with lawyers working on my behalf. I have supporting documents, Which proves the 'JUDGE ', indicated the debt is false. THEIR 'LAWYERS ' WERE PRESENT AND AGREED TO THESE TERMS! 
[ The document signed and initialed XXXX dollars ' owed ] This have prevented me, from providing my family with Shelter. Please help me with this occurring FALSE Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
They kept hanging up on me then finally got an agent and they said they cant help i explained that these are unauthorized charges As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.If you are unable to verify the with the original contract, please Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was offered, applied, and was accepted for the Covid-19 Forbearance program for my home mortgage with PHH Mortgage out of XXXX. XXXX, NJ. It was made clear to me that during the period of the forbearance process there would be no negative reporting to the credit bureau as long as there have been no delinquent payments. My mortgage payments have been paid on time with none delinquent. I have been on forbearance for less than the offered time. I've elected to catch up my payments via load modification, which was offered as one of the options.

I was instructed to make three payments at a specific amount and to do so by calling a specific number to make sure the payment went to the right account with the right amount. I executed all payments on time.

The loan modification was approved and I was informed that it was in the process of delivery. It did arrive, but I couldn't tend to it for about 5 days. The day before I began to review it, I received an email from XXXX informing me that I needed to review a change in my credit notification. It turned out to be 4 negative reports from PHH Mortgage Services stating delinquency of my mortgage. This is exactly what PHH Mortgage services cite they will not do. 

This pandemic has hit all of us hard and this kind of action from this mortgage company has caused me even more major aggravation, stress and frustration. This is fraudulent behavior. Proof of their agreement is on their website at https : XXXX and I have proof of the notifications of the report to the credit bureau as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NC

Complaint narrative:
I have a fraudulent account from XXXX XXXX I did speak to them and they said they would respond to Equifax and delete it see letter enclose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Payday loan 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
Agency called my sister and father in an attempt to collect debt, they told them I committed fraud. I have not received and letters regarding debt after asking for one. They continue to tell me they are going to sue me and I will be responsible for court fees, they are gon na garnish my wages etc. they have violated several FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
Its ridiculous! I do not know what to do ... I sent couple of letters already but I am ignored. I believe I am identity theft victim because I do not recognize accounts in my credit report. They are simply not mine but because of the bad reporting or so, these items just destroyed my credit report!!! I am a XXXX XXXX XXXX and we go through difficult times now, but because of this problem I can not rely on any help from the bank. Please can you remove these accounts and inquires that I have never authorized from my profile. These accounts are nor mine and its pure identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: IL

Complaint narrative:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX  balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX  was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.

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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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