vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
Debt Collector : My understanding is that you are attempting to collect a debt from me that I do not recall owing. In good faith, I called XXXX to terminate my service with them. I was told that my account would be terminated at the end of the present billing cycle. I also was told to return their equipment in boxes that they would send to me. After receiving the boxes, all of their equipment was package and hand- delivered to the Mail Bag Shipping and Mailing Center ( XXXX XXXX XXXX AL ) as directed by XXXX XXXX I paid my balance via credit card ( as usual ) to XXXX. A follow-up phone call was made about three weeks later to ensure that all equipment was received and that my bill had been paid-in-full. I was told yes to both inquiries. I asked them to send someone to remove their satellite dish from my property. Their reply was that they did not want it back. Now, after almost 1 year later, I get this debt collection letter from your company, requesting payment. 

On XX/XX/2020 I sent you a certified letter requesting that you provide me with information that will validate a debt to XXXX that you said that I owed. I received a reply letter from you on XX/XX/2020 ( dated XXXX ), asking me to settle a debt ( for 75 % of the current balance if you receive payment on or before XXXX ). 
You, however, failed to address my request for documentation to validate that the said debt belonged to me per my written correspondence ( letter ) sent to you on XX/XX/2020. 
I believe that your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 1692 ( g ) subsections 809 ( a ) ( 4 ) and ( a ) ( 5 ) ; and subsection 809 ( b ), and are not done in good faith. Secondly, derogatory statements that were placed on my credit reports by your company have not ( to this date ) been removed. Your actions appear to be done with unclean hands.

Based on my prior letter to you ( XX/XX/2020 ) I informed you that I do not recall owing the said debt to XXXX. Please note : This is my Second Attempt to obtain validation of this debt that you are telling me that I owe 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 explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
This event has happened approximately 8-10 times. When I make a principal payment mid-month, they charge me interest and escrow. I have to call them back and have someone fix it, and sometimes it takes several calls. We have only had the loan for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the two unauthorized account that you hold in my name Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank fails to honor its policies regarding disputed transactions. In later XXXX, I bought airline tickets with my Synchrony Mastercard ( around $ XXXX XXXX for a international trip on XX/XX/XXXX. In mid-XXXX the air carrier notified me that the flight was cancelled and failed to issue a refund in a timely manner. Thus, I was forced to file a dispute with Synchrony. Upon filing, I was informed of the policies which stated that Synchrony would investigate the dispute in up to 60 days. Throughout this period, I called numerous accounting managers to get updates, and documented these exchanges. Having been through this situation before with another credit card issuer, I asked for procedures in the event that the merchant does not respond to Synchrony within 60 days. I was told that if that is the case, then Synchrony would issue a temporary credit and allow the merchant another 30 days to respond. If the merchant failed to do so, the case would be considered closed. I filed on XX/XX/XXXX. As the XX/XX/XXXX deadline got near, I was told to rest assure that the case would be resolved in the 60 days. Well XX/XX/XXXX came and went and I still have not received an update. Moreover, the communication with the Synchrony dispute team has been minimal, at best. With other credit card issuers, such as XXXX and XXXX, their dispute team followed up with me periodically to provide updates. Despite providing numerous documents, Synchrony has neglected to reach out to me. Since their dispute involves a air carrier cancelling the flight and failing to issue the refund, the resolution is clear. As per a pair of Department of Transportation ( DOT ) memos, air carriers are mandated to provide refunds to customer. Since the services were not rendered, it is up to Synchrony to provide me with a refund in a timely manner. I have provided Synchrony 's dispute team with a plethora of evidence, documents and letters outlining the reasoning for my dispute. Unfortunately, Synchrony is not living up to its own dispute procedures. I expect Synchrony to respond with a revision of their dispute terms. The reason for this is every time I catch one of their account manager in a lie, they pause and then note that the previous account manager who provided me with a specific piece of information was in the wrong and they are in the right.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX 2 ) XXXX  XXXX XXXX XXXX  {$28000.00} 3 ) XXXX XXXX XXXX XXXX {$43000.00} 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX  {$3000.00} 8 ) Dept of ED/ XXXX {$1700.00} 9 ) XXXX   {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}

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 2020-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX  2 ) Missouri Div XXXX XXXX {$28000.00} 3 ) Missouri Div XXXX XXXX {$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX {$3000.00} 8 ) Dept of ED/ XXXX  {$1700.00} 9 ) XXXX  {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TN

Complaint narrative:
My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XX/XX/XXXX2 ) Missouri Div XX/XX/XXXX{$28000.00} 3 ) Missouri Div XX/XX/XXXX{$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XX/XX/XXXX{$3000.00} 8 ) Dept of ED/ XX/XX/XXXX{$1700.00} 9 ) XX/XX/XXXX{$2000.00} 10 ) XX/XX/XXXX {$670.00} 11 )XX/XX/XXXX {$4000.00}

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 RE : Method of Verification Request Dear Equifax : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. This is regarding Credit Report on XXXX XXXX number XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$1000.00} Paid in Full Close - XXXX  ( XXXX ) ) Balance {$2000.00} I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Today, I checked my credit score and it has decreased. It indicates that I have student charges. I assume that my college may have charged me for the summer practicum that I removed myself from prior to the deadline. I've contacted my practicum instructor and let her know of my decision to withdraw prior to the withdraw deadline as well. She reminded me to drop the practicum class using the college website. I clicked on the register and drop section on the college website to double-check and I was not listed for any practicum activities. I notified my instructor that I didn't see the practicum on my list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sold my loan back in XX/XX/XXXX without sending notification of new assignment. In XX/XX/XXXX it was discovered after receiving default notices from Bank of America mortgage servicer " XXXX XXXX XXXX '', that Bank of America Transferred and recorded all their interest in this loan to XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX  is name as the mortgage loan Servicer. 

XXXX XXXX XXXX  is a Debt collector acting in the capacity of a mortgage loan servicer without consent from XXXX XXXX, or XXXX XXXX XXXX XXXX. A ASSIGNMENT DEED OF TRUST of this transfer was recorded XXXX XXXX. 

A letter dated XXXX XXXX, was sent to XXXX XXXX XXXX explaining the transfer discover on the Deed of Trust. XXXX XXXX XXXX refused to answer or return funds they collected after transfer, and continues to act as if the transfer never existed. 
An audit was done on this account and it was discovered that XXXX  XXXX XXXX committed a felony act by creating a delinquency for the purpose to foreclose on my property. I will be discussing this issue with the United States Attorney General Office as soon as their services are return to normal.

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 2020-07-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. 

Now if you think your going to get away with saying your not going to investigate this matter because you guys find it hard to believe people don't read the FREE PUBLIC FTC website for their fair credit rights, then be XXXX if you'd like, ill humble all who has let this matter just get passed along with a heavy lawsuit ... I'll stick it so far up you staffmembers and the organizations XXXX, you'll have toes for teeth! 

DO YOUR JOB, YOUR NOT DEALING WITH A DUMBY HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. LITIGATION!

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 2020-07-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank XXXX XXXX NC has not resolved fake account funds that have withdrawn {$10000.00} from, my XXXX  XXXX XXXX account with ACH Wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I had 3 charges for XXXX dollars on my credit reports with Kansas counselors of Kansas City debt collection agency. However these are for medical bills at a hospital I have never personally been to. I disputed the debt and it was removed from 2 out of 3 credit reports however they made a comment on my XXXX that says customer disputes debt reinvestigatom in progress. This proves they have already investigated this debt and have found nothing to legally tie me to this debt but are trying to hold on to it on my credit to penalize me for what may have been identity theft. I have not had any western medicine in a number of years that number of years would go far beyond the limits of any agencys legal right to report to my credit. I checked in to fdcpa laws and they say the creditor has to remove the debt until they have proof and the burden of proof is on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a car financed by a lender they sold it to Wells Fargo in XXXX The payments are XXXX per month. I have never missed a payment and the loan has gone down 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 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Account XXXX This letter is to confirm that the account referenced below has been satisfied in full. No further balance is due on this account. 

Reference Number : XXXX Creditor : XXXX XXXX Date : XXXX This communication is from a debt collector. The purpose of this notice is to collect a debt and any information obtained will be used for that purpose. 

If you have any questions, please contact our office at XXXX between the hours of XXXX XXXX. to XXXX XXXX Tuesday through Thurday and XXXX XXXX. to XXXX XXXX. Friday through Monday Pacific Standard Time. You can also reply to this message at 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 2020-07-27 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: AL

Complaint narrative:
I've been contacting equifax for 6 months about inaccurate items on my credit report and the problem is still there. they have collection items on my credit report with no name just accounts that i cant directly dispute because its no name to who the original creditor or collection agency may be. Also other items that doesn't belong to me as my information was stolen in their data breach. this is a violation of the fcra and items must be removed immediately.

Company response to consumer: Closed with explanation