vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Consultants, Inc.
State: DC

Complaint narrative:
I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB 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 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. 


CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! 

I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. 



Sincerely, 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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. Judgement XXXX XXXX 3. Inquiries Name of Company Date of Inquiry Type of Business EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX L XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Banking EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2017-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a wage garnishment from pressler and pressler. Never received a summons or any paperwork prior to this wage garnishment. Also the amount owed is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate and remove an account from my credit report that does not belong to me.

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 2017-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. 

They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. 

After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. 
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
CFPB I 'M GOING TO NEED YOU TO STEP UP ON YOUR GAME AND INFORCE THIS MATTER.DO NOT DUPLICATE THIS DISPUTE NEW DISPUTE Good Morning Experian I would Like to take the time to Thank you for your investigation That you completed for me Regarding XXXX But However I totally disagree with your finding you stated in your results summary That I supplied you with the wrong account Number how is that possible? when I sent you about 25 disputed in the past each time you stated that the information was Verified and reporting correctly. This goes to show that you DO NOT VERIFY ANYTHING. This is why I have been asking you to send me the a copy of ANY original documentation ( consumer contract with my signature on it ) with out this information YOU DO NOT HAVE THE RIGHT TO REPORT ANYTHING ABOUT A CONSUMER! FCRA 609 ( A ) ( 1 ) ( A ) AND 611 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT. Back to SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELTE ALL INFORMATION WHICH CAN NOT BE VERIFIED.. 
RIGHT NOW YOU ARE IN FULL VIOLATION OF 616 & 617 BECAUSE YOU HAVE FAILED TO COMPLY! 
I also contacted XXXX On Saturday the account that you are reporting has no ties to my name. How did you verify it is my questions. Once again Experian I asked you to Please deleted the following accounts below.. 
XXXX card XXXX XXXX XXXX XXXX - Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account XXXX THANK YOU SO KINDLY 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 non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many errors and misinformation on all three credit reporting agencies. Inquiries I have not authorized about  XXXX  or more. Aka : that is not my name. I 'm locked out of all three credit reporting agencies, only able to access bits and pieces through different sources. My score drops at a ridiculous rate because my report is wrong. Went from  XXXX  last time I could actually see full report to  XXXX   (  just able to get  XXXX  single score ) its like a confusing maze that makes it impossible to correct with the  XXXX  agencies. Its financially harming me. Bottom line is that something/s are happening to my credit and its not me. I need to access full reports from all three credit reporting agencies ; review ; notify them of wrong info ; and then monitor it to have them remove all wrong info, unauthorized inquiries, aka : that are not me, and derogatory items that are  XXXX  and duplicate accounts are corrected.     The process I just described is wrong- when I ca n't see report ( I 'm prevented but others are not apparently ; I need to address serious things that make little sense ( I 'm being told this thru letter of denials, some I do n't even know how they got my name .... ) ; I need to fix and fallow till all mistakes that have been removed ( many, many not by me ) then the credit reporting agencies can give accurate description of my credo worthiness to the creditors I actually contacted and authorized. I feel as if what is happening to me is horribly wrong and no agencies are taking no accountability for harming my financial future. Please help me. ADA

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 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full 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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting medical collections that are not mine and I and the collection company agreed upon terms to have these accounts removed from my credit XXXX & XXXX XXXX XXXX Recentbalance XXXX XXXX/XXXX/XXXX Dateopened XXXX Status XXXX XXXX XXXX. 
XXXX XXXX, TNXXXX XXXX XXXX XXXX, TNXXXX XXXX Addressidentificationnumber XXXX Originalcreditor XXXX Type XXXX Terms XXXX Onrecorduntil XXXX Creditlimitor originalamount {$590.00}

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a bankruptcy chapter XXXX - discharged on my Experian 's credit report. The item came back verified. But I called the United States Bankruptcy Court - XXXX of California to ask if they did verify my discharged bankruptcy. The clerk 's answer was very clear : " The Bankruptcy Court do not have any type of communication with any of the credit bureaus, including Experian. '' Then I insisted and asked if by any chance the court received anything from Experian trying to verify the case, the clerk 's answer was clear again : " No sir, we did not receive anything from Experian regarding your case ''. 
Then, Experian is violating the Fair Credit Reporting Act by saying they verified this item. 
In the other hand I would like to add here that XXXX and XXXX removed the case from my credit report because they never verified it. 
Please, see the attachments. There is the BK on Experian 's Credit Report and also the information from the Bankruptcy court about credit reporting.

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