vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: OH

Complaint narrative:
I requested METHOD OF VALIDATION from XXXX, TransUnion, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an 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   XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which  provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested METHOD OF VALIDATION from XXXX, XXXX, Experian for the following accounts and never received the requested information only automated VERIFICATION from an XXXX  system. 

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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

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 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
OnThursdayXX/XX/XXXXIwenttothemobileapptomakemypaymentof{$450.00}.Ienteredthepaymentamountandsetupthepayment.OnSaturdayXX/XX/XXXXIreceivedanemailstatingthatIwasnearingmycreditlimitfromthealertthatIhadsetup.Iloggedintomyaccounttoseewhattheissuewas,andrealizedFirstBankcardhadloweredmycreditlimitalmost{$9000.00}foralatepayment,thatwasstillclearlyshowingaspending.IcalledcustomerserviceforthefirsttimeatXXXXonSaturdaymorningandwasinformedthatmycreditlimitwasloweredbya"routinecreditauditthatshowedmyrevolvingbalancesonmyaccountsastoohigh.Mycreditlimitwentfrom{$30000.00}downto{$21000.00},andwillnowhaveanegativeimpactonmycreditscore.Iaskedtospeaktoasupervisorandwastoldthatnoneareavailableandtheywouldsendamessageforonetocallback.IreceivedacallbackatXXXXSaturdayXX/XX/XXXXfromXXXXXXXXID#XXXXwhocouldnothelpme.IaskedtospeaktosomeonehigherandwastransferredtoXXXXXXXXID#XXXXwhodidinfactrevealthatthelatepaymentdidinfacttriggerthecreditreviewthusloweringmycreditlimit.Ihavehadthisaccountforover9years,haveneverhadalatepayment,andhaveroutinelyreceivedcreditlimitincreasesovertheyears.ThelastincreasewasinXXXXofXXXX.TherehavebeennochangestomycreditbureaufromXXXXwhenmylimitwasincreasedtoSaturdayXX/XX/XXXXwhenmycreditlimitwaslowered.Thisishavinganegativeimpactonmycreditscoreduetoahighercreditutilizationratio.XXXXXXXXinformedmetherewasnothingshecoulddoaboutit.ShedidverifythefactthatmycreditlimitwasincreasedinXX/XX/XXXXanddidnothaveavalidanswerofwhytheamountwaslowered.Ihavemadepaymentsthroughthemobileappbeforewithoutanyissues.MypaymentshouldhavepostedatthelatestonFridayXX/XX/XXXX.Ifeelthisisimpropertreatmenttoalongtermcustomer.

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 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I called Portfolio Recovery Associates the week of XX/XX/17 to pay a XXXX XXXX credit card that had been charged off. The representative I spoke with gave me only three options : 1 ) Make one payment to pay balance 2 ) Split amount over 3 monthly 3 ) Split amount over 6 monthly payments. I asked the representative if I paid the full amount, would the account be removed from my credit. I was told that it could take the credit bureaus up to 30 days, but that the account would be deleted once it was paid. I gave him my payment information, which cleared my bank a couple days later. 

Today I received an alert from XXXX  that this account is being reported as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. This was not what I was told on the phone, nor did I agree to this. I was under the impression that I was paying off the account, and was specifically told by the associate at Portfolio Recovery that " once the credit bureau updated '' it would be removed. 

I tried contacting them again to inquire about this, and spoke with XXXX XXXX, Operations Manager, who again lied to me and said that I was originally informed they would be reporting it as a settlement. I know for a fact that I was not told this information because I would have paid whatever the full amount they claimed I owed rather than have the account report as " repayed only part of the original debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: General Information Services, Inc
State: FL

Complaint narrative:
I received from the company GIS a copy of a background check made on behalf of XXXX XXXX XXXX. 
They stated in the report with this words, a issue o authenticity of my social security. " XXX-xxx-xxxx May have a issued as part of the SSA Randomization program. Please work with candidate to validate Authenticity '' As per our conversation they GIS and XXXX XXXX XXXX wanted me to send them my SS card to prove its authenticity. Because the report issuer its supposed to find the right information before issue any report, I denied to send them the requested SS card. 
I dispute the issue asking them to go to the proper authorities to validate the authenticity of the document. Adding to them the following, that if something is wrong with the card, I would not be the correct source to provided such a sensitive information. 
They close the dispute and nothing was resolved. 
I call them so many times and they said that it was close and period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NY

Complaint narrative:
On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/19 @ XXXX I made a 4 check deposit. XXXX ser # XXXX XXXX ser # XXXX XXXX ser # XXXX ( this was the check that caused problem ) and XXXX Ser # XXXX. After making deposit I realized ser # XXXX for XXXX was read as XXXX I immediately pointed it out to the BOA in which she told me the bank would adjust automatically! So after I left I called BOA so there would be an official record after spending 40 min and getting hung up on 4 times was reassured bank will adjust ... .sooo I woke up to instead of problem resolved I woke up to being XXXX overdrawn! Called bank spent 1hour and 45 min to be told nothing they can do about it and I would have no money till Tuesday! So then went to the bank and unsimpatheticly told with no one ahead of me I would have to wait 1.1/2 he to see some one! Mind u the error was that the bank put double holds on all check with XXXX release date Monday came in and was told if I would wait 45min we will look into it! XXXX XXXX XXXX on Monday still not resolved!

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 2019-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting my mortgage incorrectly. They are showing my account closed without a payment history. My account is open and current on payments. I sent them my current mortgage statement showing my account balance as well as mortgage payment. They have not updated this to 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 explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
Credit Control, LLC has no true number! On the top of this settlement offer. I tried multiple times on XX/XX/19 - XX/XX/19 - XX/XX/19. It clearly states office hours ( EST ) are Monday- Friday XXXX XXXX - XXXX XXXX   XXXX - TTY XXXX. Did my own research and found a list of numbers. Today Monday XX/XX/19 I tried one of the numbers XXXX on the list and finally I got ahold of someone. The employee told me she's was needing my information on the letter that I received. Before she was able to give me anything I was just calling in to get a good fax number! Than I told her that she's going against all my rights. She than decides and said out loud That she dont have to hear this and disconnect our call. She was trying to be misleading and very rude. So I did call back and the next person I talked with gave it right to me XXXX and I did confirm again with the fax number. Never heard of this company.We have no clue who Credit Control are. We tried for over 10 days to talk with a real person on the phone. It don't hurt to be overly cautious these days.

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 2019-06-24 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently applied for an account with XXXX XXXX Bank and was declined. They use a consumer reporting agency called XXXX who informed me via letter that my consumer score was XXXX. After requesting a credit report all I am able to see is which financial institutions have requested to see my credit information. This report does not show anything indicating how the got a score of XXXX. 

My credit score at XXXX and XXXX are both above 800. 


After calling both XXXX XXXX and XXXX they are not able to provide me any information on how they got to this score or what negative information may be affecting it.

My concern now is that there may be some information that is impacting my credit and I may not be aware of it. 

Can you please inform me of how I can proceed with this to correct it? 

Thank you XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl. 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 2019-06-24 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: FL

Complaint narrative:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX   Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}

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 2019-06-24 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: NY

Complaint narrative:
On XX/XX/XXXX I sent trans union all the proper documents that i was to told to send to show that these accounts are fraud.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Systems LLC : Account Summary. Debt Description XXXX XXXX, Account # XXXX Current Creditor Jefferson Capital Systems LLC, JCS Reference # XXXX Amount of the Debt {$1800.00}. 


This is a serious Fraud type of Deal. It happened every time we purchased anything using our Credit. We felt like been Schemes by XXXX XXXX XXXX. 
They are in Violation of our Civil Liberties Rights, and our Fundamental Rights. As well as our 4th & 5th Amendment Rights. This Debts Collectors must discipline for Law Violation as I mention here. We absolutely DO NOT OWE XXXX XXXX NOTHING. IT WAS ALL DONE SINCE 2015 THAT WE KNOW OF, IN OUR RECOLLECTION. WE FEEL LIKE THE COLLECTION AGENCIES HERE ARE HARASSING US UNNECESSARILY FOR NO LOGICAL REASON. BUT, CHEATING, DECEITFUL BUSINESSES IN VIOLATION OF OUR LAWS & CONSTITUTION LEGITIMATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NY

Complaint narrative:
I tried within my total capacity to have Equifax remove 5 of the 7 hard inquiries on my credit report of which I know for certain were unauthorized to no avail.I had no problems with the other 2 major credit bureaus dealing with this issue.I verified my identity and was polite to them the whole time and got no where. Please help me because without any federal intervention in this particular case, these crooks might just get away with not adhering to the Fair Credit Report Act. There is information on my report which is currently invalid and therefore should be removed by this enitity. Please help me. As a consumer in the United States, i feel helpless against these kinds of things happening from such powerful institutions such as Equifax. Only the government, i believe, can help me at this point. Thank you for considering this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was offered a tour-presentation through a time share company for 5-7 days and I had to cancel for another engagement and I had paid for the accommodations to XXXX/XXXX   XXXX and cancelled in XX/XX/2019. My trip was scheduled for XX/XX/XXXX through XXXX about. I called to cancel with XXXX-XXXX  but only XXXX of my charge was refunded. I then called choice visa and asked them about the charge on my card + finance charge stating they reviewed and couldn't help me and the dispute has been resolved. Now I only found out about this because I wanted to see any updates on the dispute online no one called me or added a message on my account or sent me a letter regarding this matter.So I discontinued use of the company ( XXXX VISA ) and requested to close my account.

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 2019-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Been trying to modify, ( thats another issue ) i have power of attorney and have been trying to get mail, have emailed letter and faxed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help

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