vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXX has been listed on my credit reports since XX/XX/2017. They did not send me a letter per the fair debt collections practices act, giving me 30 days to dispute the alleged debt before they put this debt on my credit reports. Also, when I did send a letter to validate this alleged debt, they supplied me with paperwork about an account with XXXX. I am confused because the way they are listed on my credit reports, it is saying that it is for an XXXX account, both which are not my accounts. I have asked for an original instrument of indebtedness in its original form, with my signature on it, proving that I created this alleged debt and until this day, they have not sent me anything. They are also reporting to the credit bureaus, several times when I dispute this item on my credit reports, that this debt is being reported correctly but have yet to provide me with proof that this is an valid debt. They are also threatening to sue me in court and damage my credit rating for a debt they can not prove that belongs to me. I want this harassment from XXXX  to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: IL

Complaint narrative:
On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.

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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed fraud.

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 2018-07-28 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: TX

Complaint narrative:
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}

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 2018-07-28 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: TX

Complaint narrative:
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: NV

Complaint narrative:
I contacted Experian today XX/XX/18 regarding the updates via email regarding my disputes regarding accounts reporting on CBR that reflect SCRA the 1st rep XXXX I spoke with advised 14 accounts had been removed from my CBR and she would send me an updated report reflecting the disputes that had been removed when she transferred me to the disputes department the rep I spoke with XXXX she advised her team she is with is in the XXXX XXXX XXXX and is also part of the XXXX XXXX. I advised to her what the previous rep advised and that was not the fact these accounts hadn't been removed and I advised her this situation has been very stressful and a little history of not getting adequte assistance on the disputes submitted and they are holding the creditors accountanble for the information the are report to the CBR I advised I've had to dispute these account several times and there still not doing DUE DILIGENCE on these accounts. I asked her if she was aware of the federal law SCRA she advised no. My question was for her working with the CBR and personal information that the CBR is to monitor the accounts to verify the creditors properly reporting our information. Also when I asked her this question she became rude. I asked who would I file a complaint with she advised CFPB due to there only a 3rd party reporting agency but also pushing blame of the issue at hand that there not holding themselves accountable for people 's credit accounts. I asked ot speak to a superisor she advised would have her boss XXXX call me on Monday I advised I would rather hold due to I've already been on the phone over 50 mins by then she advised that I refused a call back that she would disconnect the call very rude no tac or understanding of the matter at hand. I then called back and spoke to XXXX in the fraud department this rep took the time to listen and grasp the situation she as well didnt understand SCRA that effects Serviemembers daily. Dealing with mental anguish, stress, XXXX that this continues to be a vicious cycle that is not being handle properly when contacting the creditors.To validate removal of accounts that were not maintain by the creditors the bureaus.

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 2018-07-28 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: MI

Complaint narrative:
I have gone through all three credit reporting companies : XXXX, XXXX and Experian. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.

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 2018-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX DBA Care Credit illegally recorded WRONG transaction amounts for XXXX   work that was done from XX/XX/XXXX to XX/XX/XXXX. I was over billed in these transactions and ALL the recorded amounts were incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX ledgers reflect these accurate amounts and the XXXX XXXX   XXXX  statements reflect the higher and wrong amounts. Interest was then charged on these false amounts. Also 38 % total interest was charged on these amounts as well. 

I contacted XXXX XXXX on XX/XX/XXXX to get all the XXXX statements sent to me for XXXX to XXXX. I also contacted XXXX XXXX   and XXXX XXXX and had them send me their statements from XXXX to XXXX. I contacted XXXX at XXXX XXXX   with a demand letter attached stating that if they did not correct these illegal transactions and over billed transactions that I would take them to small claims court as well as contact CFPB. I contacted XXXX 2 more times ( XXXX XXXX and XX/XX/XXXX ) and she would only call me back and say she was researching the matter but refused to address the issue and was avoiding me over the fraud they committed against my account. XXXX XXXX recently changed the figures again on XX/XX/XXXX to more closely fit the amounts I had stated in my demand letter so they could avoid getting sued. However, I have the original statements which accurately reflect their inaccurate transaction amounts. ( Please see attachments ) The demand letter I sent to XXXX XXXX DBA Care Credit on XX/XX/XXXX XXXX XXXX   DBA Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Re : Demand for Payment To whom it may concern Please be advised that XXXX XXXX DBA Care Credit owes me the sum of {$5900.00} to me ( the card holder ) because of the following : 1.  The charges reflected on my Bill statement are incorrect with the owed charges from XXXX  XXXX XXXX. and XXXX XXXX ledger statements. This has reflected unethical and illegal business practices by XXXX XXXX dba Care Credit.

2. My Payments have been reflected towards interest and not the Principle of the loan in a fraudulent and illegal manner by XXXX XXXX dba Care Credit.

3. Usury interest rates of 38 % and higher has been applied to my account in a fraudulent and unethical manner by XXXX XXXX dba Care Credit. 

4. On {$1700.00} for XX/XX/XXXX in Interest was applied to my account in a usury manner by XXXX XXXX dba Care Credit.

5. XXXX XXXX dba Care Credit is charging my account {$1600.00} more than what is owed plus the usury interest amount of {$1700.00} in XX/XX/XXXX and other balances totaling {$5900.00} that I do not owe. ( Overbilling )

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 2018-07-28 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: OH

Complaint narrative:
To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a complaint on Transunion and XXXX/XXXX with Consumer Financial Protection Bureau on XX/XX/XXXX. ( Please see complaint ID XXXX and XXXX for further information ). As a result of the previous complaints that I had on these companies, XXXX/XXXX did agree to update my status on these closed accounts correctly and Transunion did comply. However, on XX/XX/XXXX as a result to a recent dispute that I submitted to Transunion, they updated all of the accounts from XXXX/XXXX as " Account 60 Days Past Due Date, Maximum Delinquency of 60 Days in XX/XX/XXXX ''. This matter has already been resolved by CFPB and Transunion decided to put this incorrect and misleading information back on my Transunion credit report. Transunion has also violated my rights under FCRA by not telling me within 5 days of the reinsertion of the derogatory information on this account.

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 2018-07-28 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On Friday XX/XX/XXXX I received a notification from my credit monitoring service that the company, XXXX XXXX, closed my account. I had opened it and was approved on XX/XX/XXXX, however less than 2 weeks later with no notice from the company they closed the account. 

I used the account 1X for a small purchase to ensure that the account was activated. 

I contacted the company on XX/XX/XXXX and they advised they sent me a letter, that I have not received and closed the account because of too many inquiries. But this information was provided only when I called and spoke with a less than empathetic representative. 

I this is is an unfair and deceptive practice that would have caused me embarrassment since I was planning on using the card to purchase an XXXX computer for my niece.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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:
On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 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: MI

Complaint narrative:
I have gone through all three credit reporting companies : XXXX, TransUnion and XXXX. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.

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