vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: CA

Complaint narrative:
I have no clue what is going on with Equifax but this is getting ridiculous. 

The following accounts are currently on my credit report as delinquent : 1. XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX 3. XXXX 4. XXXX Card I have no idea how exactly you are verifying these accounts as mine, however if you do not immediately remove these negative marks then the next letter you receive will be an intent to sue. Due to the circumstances on the incorrect reporting, you are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off. You report that these accounts were closed in 2014 with no proper payment history - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove these illegal accounts from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action. Not to mention that these were all requested to be validated back in 2014 with absolutely ZERO response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 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: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and TransUnion in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) 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 explanation
Consumer complaint received 2018-08-22 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: OH

Complaint narrative:
I have written dispute letters to XXXX, Experian and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) 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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Lendmark Financial Services
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD CHXXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I tried to pay my rent they refused it do to me calling code enforcement on them so they didnt have to fix it they sold it for XXXX cash so the new family was responsible for the code enforcement fine so they lied and filed a eviction

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 2018-08-22 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: TN

Complaint narrative:
Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number

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 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2015 I was injured and had to go to the hospital. I was charged {$990.00} and since i didnt have insurance the rate was significantly higher. 
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
Consumer complaint received 2018-08-22 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: RELIABLE FINANCIAL SERVICES, INC.
State: PR

Complaint narrative:
Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Reliable gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have health insurance XXXX by the state I dnt suppose to be responsible for medical bill Medicaid supposed to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
On XX/XX/2018, I reviewed my credit report and noticed a new collection account on my report. I contacted the company, Credence  Resource Mgmt, that was listed as the company that placed the collection on my credit report. I called the company, asked about the account they placed in collection, and they referred to an account that was over 7 years old and has already been removed from my credit report, but this company reported  it as a new debt. The company does not even own this so called debt and said they are collecting the debt on behalf of XXXX XXXX XXXX for wireless services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My response to a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX : XX/XX/2018 FAXED TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RI XXXX Re :  Account # XXXX Your letter of XX/XX/2018 indicates my loan is past due. I submitted on or about XXXX  XXXX the appropriate forms to move my monthly debit from my former XXXX checking account to my new XXXX XXXX XXXX account. 

I contacted your office by phone about the time of the referenced letter indicating that neither my old XXXX account nor my new XXXX account had been debited and was told by a not particularly helpful representative that it may take one or two billing cycles to take effect. 

For more than two years I have not missed a payment and have, in fact, paid {$500.00} per month so I am well ahead of the loan payment schedule and can not be past due. 

Please take steps to implement my new XXXX XXXX XXXX account and the monthly debit of {$500.00} against the referenced loan. Also, take steps to remove the negative impact on my credit record as I am effectively NOT in arrears. 

Thank you. Inform me that these actions have been taken so I have a record of the action. 

Regards, XXXX XXXX XXXX, XXXX. 

Cc : Acting Director XXXX XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Your company has failed to respond to consumers request with in 30 days as Mandate by the fair credit reporting act, not answering consumers request within 30 days is a violation that could carry up to {$1000.00} penalty per item in a court of law. 
Please delete Requested items from my credit report I am litigious consumer and I fully intend to enforce my right as for the Fair Credit Reporting Act. 

Thank you for your quick response in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA  states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX  and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: EQUIFAX, INC.
State: PR

Complaint narrative:
Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a payment more than required in my 2 credit cards because I have to travel over seas for long business trip they have send the money back by cheques that I never received and Bank of America has got these cheques back I did not know any thing about these cheques more over they got these cheques back witch are more than enough to cover any annual fees but the charged me for renewal fee and refused to deduct the renewal fees from my money they already have it more over the add penalty for not paying the renewal fee although it cover that renewal and more!! 
I have called them while I was in XXXX and spoke with XXXX XXXX all what she wanted to find a way to send the money again to any address instead of use it to cover renewal fees. They reported me and screwed my credit score which is very important to me Also they refused to transfer the money to my account in other bank!!!!

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 monetary relief