vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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: MO

Complaint narrative:
I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded. 
Creditor 1 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 2 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX XXXX XXXX   XXXX Unverified Account, Creditor 5 - XXXX & XXXX XXXX Unverified Account, Creditor 6 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 07 -  XXXX XXXX Unverified Account, Creditor 08 - XXXX XXXX Unverified Account, Creditor 09 - XXXX XXXX Unverified Account Creditor 10 - XXXX XXXX CO Unverified 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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this qualified written request for the following document relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. A copy of a XXXX XXXX for SunTrust loan number XXXX. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: UT

Complaint narrative:
I have never heard of this doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have two accounts in collections with this company. Every day, they call me no less than 3 times on my cell phone which I have not consented to receiving these calls. Most times, they ghost their number. 

Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$52.00} Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$100.00} I have written them 3x to validate this debt was owed since my insurance company and XXXX XXXX spending show payment in full. All letters have never been responded to. 

I will never deny payment to any person or company that I owe. However, my records do not show where all but less than {$200.00} was paid to XXXX XXXX XXXX. I am now using the CFPB to monitor that I am making a new and final request for debt validation. If not received, these accounts are legally to be deleted from my credit report. 

I request that you cease and desist from all telephone call attempts and communicate with me solely by mail going forward.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo issued a Personal Line of Credit years ago and subsequently violated federal banking laws, mortgage laws and and foreclosure laws. They have been identified as having opened accounts without customer awareness or permission, and have knowingly violated federal banking laws. 

This makes them a business that violates the AML and Patriot Act and as a result, I refuse to make any payments to them. I am in a business where such transactions are prohibited, and it is through their own fault that they are now an organization in violation of AML/Money Laundering and the USA Patriot Act. 

The account number is XXXX. 

They are claiming that an amount is owed of {$3800.00}. They have offered to accept a settlement of {$1500.00}, but that would damage my credit rating, which has already been damaged from illegal actions taken by financial institutions. That would also require me to pay taxes on the amount forgiven. 

I am seeking a total elimination of the debt PLUS an amount equal to the tax liability PLUS the damages for the damaged credit score that I have incurred from this criminal financial institution that has violated state and federal laws. 

I am seeking a full release from the {$3800.00} amount for the account PLUS {$1000.00} for tax liability PLUS {$500000.00} for damages and the higher cost of credit that I need to pay as a result of their criminal activity which forces me to either violate the AML/Patriot Act and make payments to a criminal financial institution or have a damaged credit score.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MD

Complaint narrative:
I had a XXXX  prepaid card and had several foreign transactions that were unauthorized I disputed the transactions totaling {$1300.00} they promised the issue will be resolved within 10 business days which was supposed to be set for XX/XX/2018 I called and the company told me it won't be resolved until XX/XX/2018 almost 5months! From my initial dispute date I want a full refund from this company they closed my account so I cant receive my provisional credit I need you to step in thanks. You

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed a letter requesting Equifax verify an item on report via certified mail XX/XX/18 ( i have uploaded an example of the letter ). FCRA recommends 30 days to verify. I requested that the item be verified or deleted. It is now XX/XX/18 and I have not gotten verification. This was the second request made to company as i initially requested deletion due to no knowledge of account on XX/XX/2018 via online. Of the three bureaus one ( XXXX ) deleted as meeting FCRA requirements on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
I have never used XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Westlake Services, LLC
State: NC

Complaint narrative:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Previous filed complaint, Wells Fargo denied, mislead and increased my mortgage paper on a modification where I had to sue them in court. They made my payments where I could not afford to pay it back while changing the term of my loan to an unreasonable remaining term.This was fraudulent and deceptive practice on an FHA loan that was government insured with mortgage insurance. They actually profitted by illegally foreclsosing on my home and breaking the law on loan modifications. 

This sled to me filing bankruptcy which ruined my credit and denied me jobs, lost of my children, lost of my home and ruin my life.

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reached out to the company on multiple attempts starting on XX/XX/XXXX about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

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 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service
State: UT

Complaint narrative:
I have no idea who this {$130.00} is or what it is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please provide me with a copy of the Note for loan number XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, NC XXXX. I submit this as a Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have no idea who or what this {$180.00} is for. Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit reports that I owe them {$210.00} for an old bill from XXXX. The issue is that they refuse to verify that this account is mine / valid ALSO multiple collection agencies purchased this account and have put it on the credit reports of multiple people ( roommates ) who lived in the household ( four ). AND I've had another cell phone account for the last 15 years never had XXXX so?? Isn't it against the law for a collection agency to try to collect the same amount of money from multiple people and not provide any valid information showing the person who the account originally belongs to. 

I personally disputed this information with the credit agencies because I needed to see exactly who it belonged to since it's being reported on different household member 's report. They reported it as valid so I sent a letter asking how they validated it to provide information so that I can see who the account belonged to and so far they continue to refuse. 

This has been on my report for 3 years and has ruined my credit making the apr go up for any loans i've tried to apply for and in some cases keeping me from getting loans. 

I don't understand how a company will not show proof what the collection is and whom it belongs can continue to report this as valid. 

I'm currently considering my next moves but have reported it to multiple agencies and will send an email to the FTC and my local govt agency to report their unfair collection practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

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 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, XXXX, a call was placed to Navient to discuss repayment options. I was Instructed to call back in XXXX, since my loans were in a grace period until XX/XX/2018. XX/XX/2018, I called Navient and explained that financially I could not manage the current loan payment and I was seeking an alternative payment plan. I was told that there were no options since I have a co-signer. My co-signer called Navient and gave a financial statement with the goal of reducing the monthly student loan payment. Again, I was told they could reduce payment by XXXX dollars a month, forebearance or refinance. On XX/XX/XXXX I called again with the intent of lowering my monthly payment. I was told there were no options. I filed a temporary forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed with company online XX/XX/18 stating I did not have knowledge of account. The company updated account XX/XX/18. Having not known what that meant i sent via certified mail XX/XX/18, a letter ( example uploaded ). The dispute was opened XX/XX/18 and company again updated XX/XX/18 without the requested verification. XXXX  deleted the account stating meeting FCRA requirements XX/XX/18.

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 2018-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: UT

Complaint narrative:
I wanted a {$45000.00} cash back. In the whole process it was never talked about that I had to pay a third loan They were very dishonest because they told me until the end when the loan was closed. 
They did not give him the opportunity to choose if I wanted to continue with the loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I sent a letter to Amsher requesting VALIDATION of the debt that is appearing on my credit report. On today XX/XX/2018 I received a 4 page document from Amsher Compassionate collections that has a 2 page bill from XXXX in the amount of XXXX dated XX/XX/2018 attached along with a letter from them that is dated XX/XX/2018. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor were they able to provide any validation of the debt. 

below is the exact letter verbage sent to amsher. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

None of the above was provided the only thing that was sent was a bill which is not validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation