vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: CT

Complaint narrative:
Transunions customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding ha s repeatedly called me about a debt after I have told them to stop contacting me. They continue to call me from fraudulent phone numbers  ( which I still h ave on record ). I have requested in writing that they provide me a copy of this debt which they have not. They have filed a garnishment against me in court without ever serving me any type of documentation and the only way I found out about the suit is via spam mailings from attorneys trying to pressure me into filing bankruptcy . Midland has   dispersed my personal information to several law offices without my consent (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    et c ) . Midland funding  has deceptive bullying collection tactics inorder to recoupe from the many lawsuits that have been filed against them which they have lost and have been held liable to pay. They target people in order to Illegally gain money from them. There have been multiple settlements against this company as their practices are ILLEGAL yet they STILL repeatedly violate the FDCPA by attempting to collect on debts that are invalid, non existent and even too old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: CT

Complaint narrative:
XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: MO

Complaint narrative:
I submitted disputes to the 3 credit reporting agencies on XXXX/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one closed my 2 credits cards because of a return payment that was a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a complain with the Consumer Finance Protection Bureau already ( Complaint ID XXXX ). Transunion responded to the complaint that they had filed an investigation when in fact they did NOT file an investigation. I had to go on to their web site today and manually file an investigation. TransUnion continues to inaccurately report two bankruptcies on my credit profile that should not be there. Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy that both belong to another XXXX XXXX. I have sent in the appropriate documentation ( Also attached to this complaint ) proving my whereabouts and address as well as showing my correct identification. Transunion needs to delete these inaccurate records completely.

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 2017-07-25 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: MO

Complaint narrative:
I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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 submitted disputes to the 3 credit reporting agencies on X/X/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect onXX/XX/XXXXof this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 2017-07-25 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: MD

Complaint narrative:
I noticed on my transunion report that there are multiple inquiries that were not authorized by me. Here are the inquiries.    1  :   XXXX   XXXX    on  XX/XX/XXXX  2 :   XXXX   XXXX   on  XX/XX/XXXX  3 :   XXXX   on  XX/XX/XXXX  4 :   XXXX   XXXX    XX/XX/XXXX 5 :   XXXX    on  XX/XX/XXXX  6 :  XXXX  on  XX/XX/XXXX  7 :   XXXX   on  XX/XX/XXXX  8 :  XXXX  on  XX/XX/XXXX  I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

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 2017-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX   XXXX     2018, a reported har d inquiry was pulled on my credit report. To my knowledge I had NOT giving this company consent to pull my credit. In requests I will like to see valid validation and signature consent for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: Westlake Services, LLC
State: NV

Complaint narrative:
Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do  anything to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only 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 2017-07-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX  's c lient  XXXX   XXXX   XXXX  is an identity theft victim. His information was used without his consent to apply for a SYNCB/Walmart account.  Two formal disputes o f this inquiry have been submitted to SYNCB/Walmart however the inquiry is still being reported to  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 2017-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I n  XX/XX/XXXX I  went to the  XXXX  dealership and finance a  XXXX   XXXX   XXXX . Unfortunately, within the first month my vehicle had been involved in an accident that was not to be covered by my insurance company. The mechanic shop closed  for 3 weeks as they were  in the process of changing their name due to legal issues and Wells Fargo was well aware. Despite the fact that Wells Fargo told me they would be recovering my vehicle from the auto body shop and auctioning it off to cover their fees as well as the mechanic shops fees this did not occur. The mechanic shop was able to obtain a lien on my vehicle and sold it for  XXXX  at an auction. Despite my written attempts to get it removed it still remains on my credit reports for the full balance of the car loan as I had not yet had a payment due at the time of accident.

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 2017-07-25 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX   XXXX   2016, an hard inquiry pull was made on my credit report. To my knowledge of this unknown agency who I DID NOT give con sent to, I will like see valid validation of my consent and signature to have my credit pull from this company.

Company response to consumer: Closed with explanation