vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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:
In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well XXXX, XXXX, Equifax responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX  XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX XXXX has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, XXXX, Equifax. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX XXXX   and attached is a copy of the delivery notice that the company received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: AR

Complaint narrative:
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion and the account XXXX   XXXX XXXX XXXX XXXX. I ATTACHED THE COMPLAINT WHICH IS XXXX AND TRANSUNION RESPONDED TO THE COMPLAINT,,, THEY RESPONDED ON XX/XX/2018 STATING THAT ACCOUNT I DISPUTED DOES NOT CURRENTLY APPEAR ON MY TRANSUNION CREDIT REPORT, YOU CAN SEE IN THE COMPANY REPONSE SECTION WHAT TRANSUNION STATED AND I CALLED A TRANSUNION REP ON XX/XX/2018 AND SHE STATED THE ACCOUNT ISNT REOMVED FROM MY CREDIT FILE,,, THIS IS NOT RIGHT TRANSUNION HAS REINSERTED THE ACCOUNT WITHOUT WRITING ME BY MAIL,,, THIS ACCOUNT SHOULD HAVE BEEN REMVOED FROM MY CREDIT FILE,,, I WILL SUE YOU TRANSUNION FOR THE NON COMPLIANCE,,, I HAVE ENCLOSED A COPY OF THE COMPLAINT SHOWING THAT THEY REPONDED STATING THAT THE ACCOUNT ISNT APPEARING ON MY REPORT SO WHY IS IT MY REPORT, THEY SHOULD HAVE TOOK THE ACCOUNT OFF ON -XX/XX/2018 WHEN THEY RESPONDED TO THE CFPB COMPLAINT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX, & Experian are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: DE

Complaint narrative:
A family member gave me 4 {$200.00} prepaid Visa card issued by US Bank. I try to use the card to make an online payment company and it failed. I try to use the card to pay for my car insurance and it also failed. For the past 3 week, I tried to login every few days to the online website XXXX per the instruction at the back of the card and always encountered an error message. The error message suggested I should call customer service to get the account balance. I called customer service last week and they gave me the balance and register my card to my address to enable online bill payment. This process took 20 minutes. The rep refer me back to the website to register card # 2-4 as she said US Bank only authorize her to register 1 card per phone call. I complaint about the site not working and she dismissed my comments and said other is saying the website is working. I tried to check my balance at the website again today and it still does not work. I called customer service again and after two minutes, a rep was able to give me my account balance and register 2 of the 3 remaining prepaid card. She would not register the 4th because she said US Bank only allow her to register 2 cards per phone call. I am past due on my utility bill and can not pay for my car insurance due to US bank 's website errors and restrictive customer service policy. US Bank sell prepaid cards to the underbanked population and deliberately put in obstacles for the average consumer to get access to their money. US Bank will charge a {$2.00} inactivity fee if the card carry a balance after 12 months. Due to the inability to use my prepaid card to pay my utility and car insurance billl, I have incurred a {$25.00} late payment charge and a {$32.00} NSF fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I payed a kohl 's credit card on XX/XX/2018 with the amount being : {$150.00}. 

The issue that I have is that I was never given any alerts or mail that I had a due date coming up or even a statement of when my payment would be due. I have called their customer support and they realized their mistake and issued me a credit reversal which refunds me the late fee but was told they didn't have access to removing the delinquency from my credit history since they are only representatives. I have tried to reach out to the creditor but public information could not be found. 

I was only called once after 30 days being late and was told I was late but I had no knowledge. the same day they called me I payed the card in full as I never in my credit life have ever missed a payment or had any other forms of deliquency. 

I would like to work peacefully with the company to remove the delinquency and correct the error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates LLC under the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 { b } is disputed and validation requested. 

Account : XXXX Account : XXXX They have been contacted by certified mail on multiple occasions and they don't respond back with the information requested of them : * What the money they say I owe is for, *Explain and show me how they calculated what they said I owe, * Provide me with copies of any papers that show I agreed to pay what they say I owe : THEY CAN NOT -I DONT HAVE A LEGALLY SIGNED CONTRACT TO PAY PORTFOLIO RECOVERY ASSOCIATES A DIME!, * Provide a verification or copy of any judgment if applicable, * Identify the original creditor, *Prove the statute of limitations has not expired on this account, * show me that they are licensed to collect in the state of Michigan, * Provide me their license numbers and Registered Agent or Agent of Service. 

They don't send anything -- EVER They are reporting on my credit reports and I demand that my FCRA rights have been violated as they have no proof of legal signature that I have a contract with THEM. I don't owe them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IMMEDIATE RECOVERY GROUP, INC
State: MT

Complaint narrative:
XXXX XXXX XXXX erased an incorrect debt amount from my credit report on 2017. I thought that the problem has been solved by that time, but today I discover that after that, they sold the loan to the XXXX XXXX XXXX XXXX and then that institution transfer the deleted account to the XXXX XXXX XXXX XXXX. For that situation I have been denied from receiving federal aid in order to start my XXXX degree. Why after 11 years and a deleting process of wrong information they are trying to charge me under the name of a new collection agency. Its sound that something fraudulent. The new agency said that the debt is in my credit report but its not. I called XXXX and check online XXXX and XXXX and I dont have nothing on my credit report. Why they are doing this?

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NV

Complaint narrative:
I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. 

Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. 

I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! 
Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! 

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I look on my account on line. on XX/XX/XXXX. i noticed that there is 7 deliquent notices and i have never recieved one of them. I should be recieving this information in the mail. now on my account, for i do not check my account on a daily basic, I did send them information to lower my payment in the month of XX/XX/XXXX.Copy of my paycheck, bank statement and my XXXX  for XX/XX/XXXX/XX/XX/XXXX. I did not recieve any information that they recievced it. NOT even on there web site. because of this i am behind on payments. my financial  situation has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion, XXXX, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: UT

Complaint narrative:
XXXX, Equifax, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I got my mortgage with NationStar now known as Mr.Cooper in XX/XX/XXXX. I initially requested to have all my taxes escrowed so I can pay them on a monthly basis. Everything was going fine until I received a letter from an attorney in XX/XX/XXXX stating that a lien could be placed on the mortgage if I didnt pay my MUD taxes. I then called Mr. Cooper and asked for the reason my MUD taxes werent paid, they advised that a system glitch caused the MUD taxes to be removed. I then requested for them to add it back on. In XX/XX/XXXX, I was informed that all my taxes were removed from escrow due to system glitch. I never requested for them to make any of these changes to my mortgage. This opened a can of worms with my mortgage, I am now late on payments and Im being penalized due to Mr. Cooper incompetence. The tax companies are now making me liable for all the changes made. Mr. Cooper is no longer assisting with my concerns, their escalated agents are not answering my calls or emails. I need help ASAP before I end up losing my home - XXXX XXXX I live in XXXX Texas. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was charged a {$95.00} annual fee for my Citi / AAdvantage Platinum Select World Elite XXXX credit card. On XX/XX/XXXX, I called the card issuer, Citibank, to close the account and thus have the fee canceled ( within the 30 days allowed, following the date of the annual fee charge ). During my phone call, Citi offered me an incentive of a {$95.00} or {$100.00} statement credit to keep the account open. The credit would be applied to my account if I spent at least {$1000.00} in the next 90 days. I accepted the offer, did not close the account that day, and charged {$2600.00} to the card later that day ( XX/XX/XXXX ). On XX/XX/XXXX, I noticed that the statement credit had not been applied to my account and called Citibank to ask why. The representative with whom I spoke acknowledged the error and said the credit would be applied in 1-2 business days. Today ( XX/XX/XXXX ), I noticed that the credit had still not been applied to my account. I called Citibank to ask why. The representative said I had not fulfilled the requirements to receive the credit because I had not waited a day after receiving the offer to make my qualifying purchases of at least {$1000.00}. I don't believe I was told that the offer would not be in effect until a day after it was made. I told Citibank this on the phone today and requested that they apply the promised statement credit to my account. They refused, so I closed the account and told the representative that I would file a complaint with the CFPB. This is that complaint. I ask that the CFPB contact Citibank about this and have them make good on the promotional offer they made me on XX/XX/XXXX, the requirements of which I believe I fulfilled.

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 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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: AR

Complaint narrative:
in XX/XX/2018 I disputed a account with Transunion, and XXXX, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, Transunion and XXXX your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.

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