vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I obtained a lease thru XXXX XXXX XXXX, XXXX. Was told payments were monthly when they were actually bi-weekly. I called XXXX and they advised that could n't be changed. After purchase, advised the salesman of numerous problems with vehicle. I was advised lease as is and nothing will be done about them. I went to a manager and requested a review or lower price due to problems. Manager said would only address XXXX problem ( rubbing noise in front right tire area ). Issue was looked at twice and never repaired. Made payments on time. Numerours times I requested a balance and/or statement, was told they do n't have ability to pull up?? Lost job XXXX XXXX due to company closing. Called XXXX, they advised there is no assistance on leases and have to pick up vehicle. Struggled to make payments. Made payments on time until XXXX XXXX. Called XXXX XXXX, XXXX and advised need assistance. Was told loan is now with Bridgecrest ( no communication on this until tried to make a payment ) They just requested job and phone and again said could n't help. Made payments XXXX a month. XXXX XXXX, XXXX car was repossessed. I called to ask why as I was never called, emailed or sent mail to advise of possibility of repo. Rep advised have n't received payment in 2 months when last payment received was XXXX/XXXX/XXXX. I asked to speak with a manager several times XXXX XXXX, XXXX and was denied.

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 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have had the Gander Mountain Credit card through Comenity Bank for at lea  st 10 years without any problems. Starting this year we have gotten late fees and interest charges for the last 3 out of 4 months. The first time I called they stated that the payment was received on time and reversed all charges. After that they would reverse the interest but not the late charges.
In ten years I have always sent the payment on time and never been charged these fees. My daughter also has this card and she has auto withdraw from her checking account and she was also got a late charge, which should never happen because the money is pulled automatically from her account.
I do not know if this has anything to do with Gander Mountain filing bankruptcy but I feel I was treated unfairly and I will no longer use this credit card or any card through Comenity   Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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 looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I initially filed a complaint against  TD B ank, USA and debt collector attorney 's office  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX . for deceptive tactics to collect on bad  debt.TD Bank USA  responded stating that  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  was servicing the account.     I was sued on this account an d TD  Bank stated they wrote this account off. If this is true, they never sent me a  XXXX  to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account.     It has already been determined in the letter that they charged the account off o n   XXXX   XXXX  , 201  6 wh ich was in the response  Case #    XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm.     If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud.     Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply   TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I  missed one  month of paying the card balance in full (   XXXX   XXXX     ) - I paid the following month (   XXXX   XXXX      ) in  full, which included interest for the unpaid balance in  XXXX , but they still charged me interest on the   XXXX   XXXX     bill based upon the unpaid balance from the   XXXX    bill  - even though there was no outstanding balance from the   XX/XX/XXXX  bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 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: VA

Complaint narrative:
XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion and    XXXX   and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my  XXXX  account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a   XXXX   balance.

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 2017-05-05 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: VA

Complaint narrative:
XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: PA

Complaint narrative:
I am very unsatisfied with the service that I am receiving from your company regarding my first home mortgage loan. I am in the process of relocating and purchasing a home in  GA. T his has been my dream for the pas t 10yrs. H owever, this has been a complete nightmare with your company that has caused me to lose monthly income and threaten my employment. This whole process begin  in   XXXX    2017. I understood that the home buying process was stressful but dealing with your company  's processing incompetency has magnified the taxation on my health and financial obligations. Everyday there is something new that needs to be verified that I have already provided. My income a nd DTI h as be recalculated numerous time by different people in your department and each person comes up with a different number which starts the request for documentation all over again fro m step 1. Clearly there is a failure of communication in your company. I have done my due dili gence and sent every document over that I was told was needed to close this loan but as of toda y   XXXX   XXXX   2017 I hav e received nothing but complete inconvenience. I 'm being lied to and given misinformation on a daily basis. Yesterday, I was told by  Branch Manager   XXXX   XXXX , that everything was set and I would be receiving documentation to finally close on the loan approval. Needless to say, I have not received anything since the phone call him and I had yesterday afternoon. I have been calling him consistently to find out what happen to the final documents I was supposed to sign and to no avail I have n't been able to get in contact with him. This has been a disaster for me in all areas of my life. I wish I would have went with another mortgage company who was more trustworthy and consistent with the loan process.       Update : I just got a call from a  XXXX   XXXX  who is supposed to be a branch manager in   SC  t hat called me to question me about even more letters. I am very frustrated to tears. He started yelling at me, cutting me off, being rude and hung up on me. I am being discriminated against. Is this a real company??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On or about  XXXX   XXXX ,  XXXX , I applied for a new conventional mortgage loan as a first-time home buyer through Citi-Mortgage and was assigned a new application number  XXXX . On  XXXX   XXXX ,  XXXX , after obtaining and reviewing my credit history and income,  Citi-Mortgage  notified me that I was " Credit & Income Approved. '' This notification was followed by a formal    Credit & Income Approval letter as well as the Pre-Approval letter. I was advised however that this approval was " good for 120 days. '' See Attachment A.      On  XXXX   XXXX ,  XXXX , I requested an updated pre-approval letter. On  XXXX   XXXX ,  XXXX , another representative at Citi-Mortgage was assigned and provided another application file number  XXXX , and stated as follows : " The 120 day period for your original pre-approval has expired. I can update this no problem, but I would need your permission to re-pull your credit report. Please let me know if that is OK. If so, please let me know if there has been any changes to the following : Current addres s Employer Income Asset b alances I can update your file and send the pre-approval letter to you tonight. '' After providing permission to pull the credit report and disclosing information about my race,  color, sex , marital status and age, on  XXXX   XXXX ,  XXXX , the representative stated, " I do see student loan debt on the report we pulled back in  XXXX  but it did not inhibit your approval. If it is in error, we can remove it from calculations regarding debt to income ratios but I can not do anything about having it removed from your credit report. '' See Attachment B.     Therefore when the conventional mortgage loan was given both credit and income approval in  XXXX   XXXX , the student loan that was appearing in the credit report then " did not inhibit '' my approval. However, on  XXXX   XXXX ,  XXXX , the pre-approval for the conventional mortgage loan under application file number  XXXX  was denied on the sole basis of my rac e, color, sex, marital status a nd age. See Attachment C.     There were no change in circumstances between the approval on  XXXX   XXXX ,  XXXX  and the subsequent adverse action on  XXXX   XXXX ,  XXXX . Therefore, the only basis for the adverse action was based on a discriminatory purpose such as race,  color, sex , marital status and age, in direct violation of the Equal Credit Opportunity A ct ( " ECOA  '' ).

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