vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX CARD SERVICES # XXXX, XXXX DEPARTMENT XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX XXXX XXXX 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 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2020 USAA Complant 1 ) VIRUS SCAM DEMANDING {$630.00} PAID ON A CARD USAA IS AWARE I DID NOT OPEN. see FTC ID THEFT case XXXX. Complaint 2 ) Called today XX/XX/2020 TO STOP THE COLLECTION ATTEMPT & USAA COULD NOT VERIFY ME. There were No Public Record Questions to answer. I WAS AGAIN UNABLE TO STOP USAA HARRASSING COLLECTION ATTEMPS OF AN ACCOUNT I DID NOT OPEN DURING A COUNTRY EMERGENCY VIRUS SITUATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have contacted Capital One in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, Capital one uses Credit wise which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 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: GA

Complaint narrative:
On the date of of XX/XX/2019 an inquiry that I did not authorize was generated on my credit report by Clarity services Inc . Upon knowledge of this information i disputed this with the credit bureau to know avail. I then attempted to reach out to the creditor to get proof of authorization for this inquiry as the federal law under the frca company 's are supposed to have but to no avail.

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 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
They totaled out the car - XXXX sent the money and it has been credited, I also was sent the salvage title, but NOW XXXX the gap insurance hasn't done there part and we are still being billed for the rest. This shouldn't take 6 months to get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to Experian, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on Experian in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. XXXX XXXX Fails to report my score to Experian, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, Trans Union or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, XXXX XXXX uses XXXX XXXX  which reflects XXXX, TransUnion reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, Trans Union and XXXX  which does not help my bank with the application for a home loan.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or Equifax. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on XXXX in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, TransUnion reflects XXXX and Equifax shows no score. XXXX XXXX Fails to report my score to XXXX, XXXX XXXX and Equifax which does not help my bank with the application for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
On XXXX XXXX I leased a XXXX XXXX XXXX from XXXX of XXXX XXXX. This transaction was done remotely by their representative XXXX XXXX. I authorized ONE HARD credit inquiry by their company which is their usual process. This is my second car from this dealership and this was the process in XXXX. However, upon checking my credit report I observed MB Conducted TWO HARD credit inquiries, one by the sales representative and two hours later ( according to XXXX ) another by  Mercedes-Benz Financial Services. This second inquiry was done without my KNOWLEDGE or AUTHORIZATION. I know In my heart and mind that this was done because I am XXXX XXXX, they would have NEVER treated a Caucasian buyer with such disrespect. What did they think would possibly change between XXXX when I spoke to the representative and XXXX when I picked up the car. Had I been informed it would take TWO INQUIRIES for this transaction I would not have authorized any. I spoke to their representative XXXX in the sales department and to XXXX XXXX XXXX and was informed that this was the process, but I know it IS NOT. And if something changed I should have been advised of this BEFORE the transaction, not a month later when I observe my credit report has gone down 25 points for this one transaction. TransUnion states it appears as if I was purchasing TWO vehicles. I am getting nothing but the runaround from this company. This is a criminal offense and XXXX XXXX should be investigated for this kind of deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020

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 2020-06-13 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

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 2020-06-13 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Credit information is being reported as delinquent, when I paid it off years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint Mortgage Servicing or XXXX. 

My mortgage was due to mature on XX/XX/XXXX. I asked several times for the procedure and what to expect. However, all I got was some confusing responses. I ended up getting a payoff amount from their website and making the final payment on XX/XX/XXXX. They had no problem taking my money but for some reason the website says un-applied payment. Plus it shows I still have a balance. I sent them another email but I have yet to receive a response. 
Finally, their website says I have a payment due XX/XX/XXXX. I don't want to be penalized or anything because I already paid off my 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 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am being charged for a product I did not receive nor want. XXXX XXXX at XXXX XXXX, Ohio. XXXX XXXX XXXX and XXXX XXXX XXXX are the companies used to finance the dental work. XXXX XXXX agreed to bill me a total of {$6500.00}. The cost of the dentures I have been asking them to cancel are Full upper dentures {$1400.00}, lower dentures are {$700.00}. I have the account detail. I agreed to pay all other fees. So far XXXX XXXX has refunded {$500.00}. Then yesterday I received a letter which reads XXXX first is refunding {$650.00}. The latter amount has not yet appeared on the account. The total amount XXXX XXXX   should credit is {$2100.00}. This is XXXX + $ XXXX {$2100.00}. So far all that has been credited is {$500.00}. If and when I see a credit for {$650.00} the only amount left is a credit for {$960.00}. Then this will be resolved. I have been a victim of Elder Abuse. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Filed a dispute with XXXX in regards to account # XXXX. Convergent Outsourcing fraudulently verified this account as accurate on 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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems has been attempting to collect a debt from me for an account that they claim was sent to them from XXXX XXXX XXXX. It has been several years since I ended my account with XXXX XXXX XXXX and it was never delinquent. When I canceled the account and closed it, my balance was XXXX. Now 3 years later I am receiving collections calls at all hours of the day and night and it has been added to my credit report. When I disputed it on my credit report, IC Systems then added a second account, also with XXXX XXXX XXXX. I feel like I am being unfairly targeted and their collection tactics seem very odd. I have now disputed both accounts but I am concerned that they will retaliate further. Whatever debt they are collecting, does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: ERC
State: FL

Complaint narrative:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I have 2 accounts from XXXX XXXX medical centers that is a result of improper billing on the hospital 's behalf that I called about prior to getting placed in collections to get corrected. I spoke to several representatives in the hospital billing department and provided them the primary and secondary insurance numerous times which at the time was XXXX XXXX XXXX and South Carolina XXXX as a secondary. My insurances should have been billed properly to cover my medical expenses right then but due to negligence on the hospital 's behalf it was not. Now this item is will a collection agency named XXXX who is credit reporting these accounts. When asked to provide verification and validation of debt I'm was referred back to XXXX XXXX ... I called XXXX XXXX after to speaking to XXXX the aargon agent trying to resolve the account and get the billing error corrected..the billing specialist refers me to SC XXXX to see if they will back bill for the services rendered for these accounts. So I called SC XXXX and spoke to an agent who let me know that they will only back bill up to 1 year only. These accounts are from 2018 so unfortunately I'm in a situation to where I feel like I am being forced to pay for services that should and would have been covered by my insurance at that time. I feel my FCRA rights are being violated by aargon for credit reporting and not providing validation of debt. I'm very familiar with the laws and regulations a of the FDCPA and FCRA and intend to pursue litigation if this account is not removed from my credit report.

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 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
I paid this account on XX/XX/2020 and it is still showing as Negative Collection on my XXXX report as unpaid. I submitted a recent dispute with XXXX on XXXX XXXX and the dispute results outcome was an unpaid collection debt. Please report this debt from XXXX   credit report as settled or XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit information is being reported as delinquent, when I paid it off years ago.

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