vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: IL

Complaint narrative:
Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting A BANKRUPTCY AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
They added a XXXX XXXX account to my check n go account. I only bank with XXXX XXXX XXXXXXXX and only that company. What check n go did was criminal and fraudulent and instead of correcting the issue they still have the XXXX  XXXX account on my profile. They were expecting my loan to be deposited into a bank account that is not mine and refused to correct their or acknowledge there wrong doing. The were extremely unprofessional and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Called TD bank on XX/XX/2019 @ XXXX spent on hold for approx. 20 min to talk to a rep named XXXX from call center XXXX Maine who I advised that I can provide my SSN number to access the account. XXXX advised that certain security questions would need to be answered in order to assist over the phone, all questions asked were accurate and complete however XXXX still flagged the account as unverified and refused to assist advising that I would need to go to the bank for assistance. XXXX refused to assist any further at which point I asked to speak to manager who also advised on me having to go to the branch for assistance. The supervisor who took the call would not give complete name and simply said her name was XXXX from call center in XXXX XXXX. NJ. TD bank is self advertised as being a very convenient bank however it has been very inconvenient to me as the customer with very limited time and patience to visit a local branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from CREDIT MANAGEMENT. I am not responsible for this debt with CREDIT MANAGEMENT. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collection from this debt from LVNV FUNDING LLC. I am not responsible for this debt with LVNV FUNDING LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, in XX/XX/2011 I applied for a HELOC loan through TD Bank. When I submitted my application TD Bank said I was declined for the HELOC because my debt to income ratios were too high. I said okay and that I understood. A day or two passed and the loan representative I was dealing with called me back and asked me if I paid all of my debts through a business checking account. I told him I did and then he asked if I paid my first mortgage loan, property taxes, and insurance through my business checking account. I told him I did and then he told me that TD will omit all of those debts and approve me for the HELOC. I am currently 5 months behind on that payment and being warned that they are going to foreclose on my home. I wish I never opened that HELOC and was wondering if I have a case against TD Bank for omitting all of my debts including my 1st mortgage so they can qualify me. 
Please advise. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
A collection was added to all three of my credit files through Kimball, Tirey and St. John for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXXXXXX '' in XX/XX/2018. This lease was in XXXX County,  California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX County California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves NOTE! I have also already submitted a complaint against the three bureaus for the reporting of this item. I will also file a complaint against XXXX XXXX XXXX XXXX..the client of this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Credit has inaccurate information. Violation is FCRA and FT violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have never done business with Midland Funding Llc. I do not have a signed contract or a verbal agreement with this company. After repeated phone calls and letters to me, Midland Funding Llc is using the US Postal service to fraud me out of money. This is extortion and I will be forced to notify the postal inspectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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:
Credit has inaccurate information. Violation is FCRA and FT violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Credit has inaccurate information. Violation is FCRA and FT violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: AR

Complaint narrative:
On XX/XX/2019 I filed dispute with Equifax that 5 of my accounts were listed wrong on my credit report and on XX/XX/2019 I get and alert that my Equifax score dropped 20 points. The only thing listed under changes were the disputes that I filed. I use XXXX XXXX and when I called Equifax customer service they said it was because XXXX XXXX runs 30 to 45 days behind on their information but they had my complaints that I filed from just three days earlier and no other changes are noted. My complaint is why does my credit score drop for just trying to correct bad information and only drop with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
I have been trying to clear this collection up for some time. i purchased my car in XX/XX/XXXX. in XX/XX/XXXX i was hit by a uninsured motorist. 

While my car was in the shop Danco Financial repossess my car as i had not been paying on the car while in the shop. they subsequently sold the car and charged me for the residual. 

In XX/XX/XXXX, i recieved a 1099 for " cancellation of debt in the amount of {$11000.00} which i had to include as income when i filed my XX/XX/XXXX returns. as a result i had to pay IRS for income i never received. 

Although this debt was cancelled, it is still showing on my XXXX  credit report as {$15.00}, XXXX balance i continue to try to get this corrected. my last attempt was XX/XX/XXXX when i called them. they claim they do not show any record of a charge off. 
I put in a dispute with XXXX, however they were told by Danco that i still owed it so it was not removed, I am reaching out to CFPB because Danco is trying to make me pay twice for the same debt.. 


thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I was in the XXXX Airport. That is the date the fraudulent charges started. I received a call from Suntrust Fraud Department 2 days later, where they asked me over the phone to review charges and say if they were mine. At the end of the call, I was advised they would send a list for my signature, and I would be able to review charges to ensure we caught them all. Next thing I heard was on XX/XX/XXXX, when Suntrust reversed an approximate {$2300.00} provisional credit they had applied since I had not responded. I went to my local SunTrust and completed the form on XX/XX/XXXX and discovered over {$7000.00} worth of fraud had occurred. And, most were quite obvious, as they were happening in XXXX Ohio, and I live in XXXX XXXX. I then had the SunTrust representative fax it to the fraud department. I have the fax receipt. 

To begin, the reversal of the initial provisional credit occurred prior to the 60 days allowed to report fraud. I have also not been given a provisional credit for the {$7000.00} within 10 days as mandated. 

Numerous calls and faxes and nothing has happened. I just want this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency Equifax has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Back on XXXX XXXX 2019, several transfers were instructed from my Coinbase account, in the total amount of BTC XXXX ( EURO XXXX ) to a scam Binary Option /  XXXX / XXXX XXXX dealer XXXX. 
They did not invest my money, but only stole it. I submitted a recall dispute to Coinbase on approximately XXXX XXXX 2019. Coinbase replied with their final response on XXXX XXXX 2019. They confirmed that the merchant is a scam and noted that Coinbase added to their blacklist the relevant address so that no further Coinbase users can be scammed in the same way going forward and yet they declined my recall on grounds that it is impossible for them to reverse payments that made with cryptocurrency. I wanted to reply on their letter and try to explain that no services, investment or good were giving me in return to those payments. but Coinbase sends another email to me three days after, saying that the case has been closed. 
Im aware that I can refer my claim to XXXX ( XXXX XXXX  XXXX ) in case I am not satisfied with the resolution of my complaint 's outcome, As I know Coinbase is registered in the USA, I would like your assistance in resolving my issue. 
When I authorized the payments by my account, I did not know that the merchant is a scam, I discovered it later on. I asked Coinbase to take the responsibility and asked for a recall because no services or investments were supplied by the scam merchant. 
XXXX is an illegal scam operator. 
What is egregious is that I have found out that there were numerous warnings issued by scam broker investigators, and other regulators, warning against allowing the instruction of payments to this particular merchant : XXXX. How is it that Coin Base approved the transaction in the first place and didn't protect me, as their customer? 
I've attached a statement of the full course of events along with other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now.

Company response to consumer: Closed with explanation