vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XX/XX/2020 I received a phone call from a company called pristine asset group stating I had an outstanding balance on a credit card and that my monthly income would be garnished if I didn't make arrangements for payment and that if I got back with them a settlement could be made to clear my credit debt also they were working with a attorney 's office and to keep from being sued and my checks garnished I made payment a {$1500.00} to settle a debt later to find out I had been scammed the address that my credit card company gave me was XXXX XXXX XXXX XXXX XXXX XXXX which doesn't exist the telephone number XXXX goes to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank 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 2020-03-07 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: EQUIFAX, INC.
State: IA

Complaint narrative:
The credit bureaus ( XXXX XXXX and Equifax ) have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate. 

My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt. 
7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt.

7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX to purchase a mattress. the loan was paid off in XX/XX/XXXX. 
I was advised be XXXX that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX   XXXX , XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX   sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX reported to Equifax that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XX/XX/XXXX,  XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AZ

Complaint narrative:
I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved. 

Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it. 

What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar? 

Attached are the two letters received from ERC. One is  dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 
fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until the debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are items being erroneously reported on my credit report and I have requested what method of verification was used to attribute those items to me with no 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 2020-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: KS

Complaint narrative:
On XX/XX/2020 Informed by XXXX XXXX my credit score adjusted down due to a delinquent debt.  XXXX referred me to XXXX. on XX/XX/2020 Spoke with XXXX and refuted the debt. XXXX spoke with Monterey Collections asking for verification of appropriateness of the debt to me as well as providing proof to me of the debt. Monterey informed XXXX that the debt is indeed mine and valid. My SSN was not verified against this debt, since no information was provided as to the actual creditors SSN. The verification depended upon an address within my credit file that is not correct as a previous or current address. Upon my review of the documents provided by Monterey Collections ( received XX/XX/2020 ), I discovered that certain portions of the file were intentionally omitted. The missing documents pertained to a Preliminary Credit Rating Request Form, which would have indicated the SSN number of the actual debtor ( and I suspect it would also include the Driver 's License or Passport information of the actual debtor as well ). On XX/XX/2020, I have refiled a verification of the debt with XXXX attaching documentation demonstrating my inappropriateness of ownership of the debt. I have attached the letter I sent to XXXX for your documentation as to why this debt is not appropriate to me. I have edited the document to remove the names of family members I used to refute certain aspects of the contract provided by Monterey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

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 2020-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

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 2020-03-07 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: AL

Complaint narrative:
There are items being erroneously reported on my credit report and I have requested what method of verification was used to attribute those items to me with no 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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
I had a back ground check done with my company on this report it is showing that I have in XXXX, AZ and XXXX, AL which I have not or ever plan on living in these two area. 
The XXXX, AZ is showing a XXXX XXXX  XXXX XXXX, AZ XXXX and the XXXX, AL is showing a XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Opened a Citi Bank Account on XX/XX/2020 under a promotion that said I could earn {$400.00} on depositing {$15000.00} and keeping it there for 60 calendar days. When I asked " How quick is the bonus paid out, '' she told me " With 1 - 2 weeks ''. On XX/XX/XXXX I completed those 60 days and today XX/XX/XXXX I still have not gotten my bonus. After calling Citi Bank to tell them the situation I talked to one customer service rep who I explained the information too and she said " I will transfer you to a banker to switch your account to a basic bank account because you signed up for premier checking. By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' First off, the banker told me I would get paid out the bonus within 1-2 weeks and now the Citi Bank rep on the phone is saying up to 90 days? Had I known this, I would have not signed up for the account in the first place! Then, when I got transferred from one Citi Bank associate to the Banker who was going to help me open up the account, I told him everything the other associate had told me about " By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' He informed me that this was incorrect and that I had to keep the account open as a premier checking account to qualify for the bonus. It seems that no one has their facts straight and I feel like I was being misinformed the whole time and I do not know who to believe! I simply want my bonus deposited like I was told I would be!

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 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Daily calls from Gila Corp. XXXX XXXX about collecting a debt of which I have none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have contacted Equifax several times online, by telephone, and by letter, in the last two weeks of XX/XX/XXXX to lift the freeze on my credit report so that I may refinance my mortgage. The online response was to tell me to call Equifax. Upon calling Equifax, I was told I had to write the company a letter, including my social security number and my identification card. I have done so without success. 
Both XXXX and XXXX have temporarily lifted the freeze on my credit report, so I can not understand why Equifax has not responded to my requests. 
Would you please contact them on my behalf so I may continue to have potential creditors access my report? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: NJ

Complaint narrative:
I have an account on my credit report named XXXX XXXX XXXX and for more than six months allready Im disputing this account on XXXX, XXXX and Experian. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT XXXX, EXPERIAN AND XXXX HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES

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