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: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I purchase a set of custom kitchen cabinet. The cabinet came and local installer associated with the company came and installed them. After 4month of using them. The wood started to swell. I tried to contact the merchant. At first, they said they will come and replace them ; then they stopped responding to my text or calls. Therefore, I initiated a dispute through Discover card that I used to charge for the cabinets initially. Hope that Discover Card will give back my justice. However, Discover Card decided not to issue a permanent credit on my account because they can't contact the merchant. 
On their website, under dispute FAQ, it states clearly in one of the question : If the Merchant doesn't respond to your notification, what happens? 
The answer for that is : We issue a credit to your account. 

Therefore, I demand Discover Card honor their own statement to issue me the permanent credit to my account. 

My dispute file and Discover Card policy will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I arrived at a money gram location to pick up a wire transfer that was not available as promised. The money was tracked as available for pickup prior to my arrival at XXXX on XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD / ( XXXX ) XXXX.

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 is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt collection agency is trying to collect on a debt that does not belong to me. I sent the debt collector a letter to validate the debt on XX/XX/2018 and the debt collector has not responded to the debt validation request. 

This company is illegally trying to collect on a debt that does not belong to me. This company is trying to collect on a recycled debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX reflects XXXX & Transunion reflects XXXX. 
XXXX reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet Transunion reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.

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: Perfection Collection
State: TX

Complaint narrative:
The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX  reflects XXXX & XXXX reflects XXXX. 
XXXX  reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I was informed that my transaction was successful but the recepient did not receive the money. 

Upon further investigation on my end it was confirmed that the money was returned to World Remit. 

The transaction completion date was XXXX XX/XX/2018. I followed up with World Remit to inquire about the status of the missing funds on 2 separate occasions. 

I was assured the first time that the transaction would go through, the second time I had confirmed the funds had been returned. World Remit assured me that they would refund my money but seem to still not know where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
We just received a loan denial. The reason : since per XXXX guidelines the waiting period for the XXXX XXXX XXXX XXXX 2nd foreclosure has not yet been satisfied XX/XX/XXXX The foreclosure by the condominium association on property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX was executed on XX/XX/XXXX. 

XX/XX/XXXX My wife received a discharge of debtor chapter XXXX on XX/XX/XXXX, which included the debt from property located at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX, ( please, see Discharge of Debtor, attached ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a 2nd foreclosure on the same property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The current owner which purchased the property from the condominium association, cited a case in their defense that the mortgagors Us had to actually sell the property without the Banks consent in order for there to be a violation or default of this term due on sale of the mortgage agreement. 

XX/XX/XXXX The judge ruled that the Banks claim of violation because of the condominium foreclosure action and subsequent sale of the property to the current owner was not a valid default and accordingly their basis the foreclosure claim was denied. This final judgment closed the foreclosure case with the bank not being able to have the property sold at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XXXX we went to XXXX XXXX XXXX, we purchased a used 2012 XXXX XXXX XXXX. Our initial payment arraigments where changed three time, twice before we left and then again a couple weeks later. We have gap  insurance added on and come to find out our car is only worth XXXX We owe way more than this car will ever be worth. We need out of this car payment We returned a month later to have them fix the broken interior light thats when we to sign new papers again, We brought the car in for servicing and told them that the seat belt in the rear did not work. They said it was cosmetic and would cost use XXXX We are now trying to get out of this car loan.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, & Transunion have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.Transunion finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, Experian, & XXXX have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

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 — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX leased XXXX VIN XXXX, a lemon,  towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX XXXX, stated on he would not take the car back due to its history when I sought leasing a new XXXX & therefore, a termination fee of {$350.00} for not obtaining a new XXXX with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX XXXX is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. XXXX XXXX sold this debt incorrectly and unfairly to XXXX and XXXX XXXX unfairly created these inaccurate debts for a car that is a lemon.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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 — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: TX

Complaint narrative:
I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I received a letter from Winn Law Group on XX/XX/XXXX regarding a debt and account from XXXX??? I never received a summons, later found the paperwork submitted to the court was false!!! I was never served and after not receiving the needed paperwork from Winn, I obtained paperwork from the court myself, where I discovered false paperwork had been submitted by Plaintiff to the court, and I also found the Plaintiff has a court lean against my property too since I failed to appear for the hearing???

I have sent a total of three letters to Winn and in my last letter dated XX/XX/XXXX in which I offered to pay in-full a cash settlement of {$1800.00} and I also requested if the settlement was accepted by Plaintiff they remove the leans against my home. 

As of today I have NOT received a reply from Winn Law Group, as is why I have filed the cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. 

I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.

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 — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
Microbilt company response XX/XX/18 that Equifax issued the request for the inquiry. It seems XXXX/Mircobilt 's is saying Skip tracing is trying to locate where a person is or the person occupation .XXXX claims every month they go off the employee employment. XXXX claims everymonth on there update. First I have a state lic for been a XXXX which the state can verify. problem is XXXX   does and can not excess state information by law if so why is it not verified by XXXX. It also seems there is fraud commited by Microbilt as XXXX pulling soft credit for no reason. I don't care about there reponse meaning XXXX/ XXXX/ Microbilt 's response due to no facts to support there response. XXXX   has been know for fraud/ breach of consumer information. I would not trust or anything XXXX responds back to as truthful due to the high deceit and lies on both parities. I have hired an attorney to look into XXXX as well as XXXX/ Microbilt because both subadaries are playing the blame game or come up with some XXXX explation to the response. Going to court can be the answer if file by my attorney to answers and filing for damages. XXXX claims by the reports they have my employment as well as when year or years. as I have from last year reports mail out with wrong spelling wrong companies month after month so there seems like a lot of errors on there part. we can settle this in court.

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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I visited my doctor for a routine preventive care checkup. My insurance company, XXXX XXXX ( XXXX ), paid the covered claims for this visit on XX/XX/XXXX. Some charges were beyond XXXX coverage and I paid those in full by check. 

XXXX XXXX, my doctors medical group, began sending me a bill for {$230.00} starting XX/XX/XXXX for a preventive care charge XXXX paid 5 days later on XX/XX/XXXX. I received the bill each month and I returned it along with the Explanation of Benefits from XXXX showing that XXXX had already paid the {$230.00}. 

I called XXXX In XX/XX/XXXX to tell them what was happening. They sent a notice to XXXX XXXX stating they had paid the claim on XX/XX/XXXX. 

The bill kept coming. 

I called XXXX again in XX/XX/XXXX, and they sent a second notice to XXXX XXXX stating they had paid the claim. 

The bill kept coming. 

On XX/XX/XXXX I received a Request for Payment from Mountain Land Collections for this same bill, now at {$290.00}. 

On XX/XX/XXXX I sent a letter and copies of XXXX Proof of Payment to Mountain Land Collections, demonstrating that this bill had already been paid on XX/XX/XXXX. 

Now, Mountain Land Collections attorney, XXXX XXXX of XXXX XXXX, Utah, has called me several times since then. I sent them the same letter and copies of XXXX Proof of Payment. 

On XX/XX/XXXX, I received a Request for Payment from XXXX XXXX in behalf of Mountain Land Collections for this same bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief