vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 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: CHECK INTO CASH INC.
State: WA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX   credit report showing an inquiry from XXXX XXXX XXXXXXXX ( XXXX ) from XX/XX/XXXX that she did not authorize. An official dispute of this inquiry was provided to XXXX XX/XX/XXXX, however XXXX replied they were not able to research the issue further due to lack of information. XXXX was provided, the date, the credit bureau and the PII of my client, this is more than enough information to find and remove data from a credit report. A credit report obtained XX/XX/XXXX listed the XXXX inquiry still listed under XXXX. This is a violation of the FCRA. Recent changes to the FCRA ( Sec 621 ( a ) ( 2 ) ) have increased penalties for violations for failure of " duty to correct ''. 


XXXX client, XXXX XXXX is a victim of identity theft. She was notified that her information was used to obtain a cash advance loan with Check Into Cash on or around XX/XX/XXXX for an amount of {$850.00} dollars. An official dispute of this was provided to Check Into Cash XX/XX/XXXX ; however a credit report obtained XX/XX/XXXX still listed the Check Into Cash inquiry under XXXX and as of this date Check Into Cash has failed to reply as to the status of the dispute, this is a violation of FCRA and my client 's consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Service, Inc. (WI)
State: MS

Complaint narrative:
The company is Account Recovery Services. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX XXXX hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
It is my genuine opinion of Nationstar d/b/a Mr Cooper ( " Mr. Cooper '' ) have given me, as a retired veteran a furious anger for their cooperation. Since 2010 I have been trying to refinance or modify my interest only loan for a permanent and fixed loan. I have gotten nothing but denial letters. However, you keep taking my financial information over and over. As a retired veteran never have I experienced such disregarded for the sacrifices I have put my life on the line for. What an incredible experience of disappointment, today my mortgage note is over 5,000 with still denial to modify.

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

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-10-10 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to XXXX XXXX for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. Also an application for a SYNCB/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, SYNC/XXXX  XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.

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 2018-10-10 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: GA

Complaint narrative:
There is an account from XXXX XXXX that was removed from my Transunion and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

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 2018-10-10 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: GA

Complaint narrative:
There is an account from XXXX  XXXX that was removed from my XXXX and Experian credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

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 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : After viewing a copy of my credit file due to being a victim of identity theft. I have notice an account placed on my credit file from XXXX stating I owe {$550.00} This account does not belong to me. I have tried on numerous occasions to correct this issue at hands with XXXXt fraud department providing them with a copy of a police report in addition to a fraud survey and identification. 

I was provide with a contact person name XXXX at ext XXXX main number of XXXX Who I have been calling for the pass couple of weeks/months to get this issues resolve ; The contact person has been avoiding my calls ; I have sent over numerous communicates via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against XXXX XXXX XXXX for MCMs failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) sent a written request for documentation on this debt, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
Despite the detailed request for documentation and reasoning, Midland responded on XX/XX/18 that they were unsure what the consumer was requesting. A second letter was sent by consumer on XX/XX/18 specifying the concern that Midland has the authority to collect, and again detailing documentation that would show this. It has now been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Payment History Information is Incorrect. 

I have currently TWO missed payments for my student loans but I indeed made those payments on the website. 

My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. 

I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. 

I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. 

I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. 

Below I will show screenshots of all my payments made except for that one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to Capital One for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. Also an application for a XXXX/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.

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

Complaint narrative:
My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent a written dispute twice to TransUnion by registered mail. I do have copies of receipt and stamped documents that they did receive my dispute. The first time I sent a dispute was XX/XX/2018 I received a copy of receipt that they stamped on XX/XX/2018 I did not receive any information regarding my dispute. The second time I sent a written dispute by registered mail was on XX/XX/2018 and I have a receipt that they received the documents XX/XX/2018. I have called TransUnion numerous times. They say that they have never received a written dispute by registered mail from me. But as I said I have documentation that they did receive my disputes. I have spent time and money to get damaging information off my credit report. Along with my credit dispute, I sent documents that would would support the accuracy of my disputes.

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 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received my credit report and noticed a collection. XXXX XXXX XXXX is reporting an unverified debt in the amount of {$9700.00} that I allegedly owe them. I mailed a certified letter dated for XX/XX/18 and requested validation of this debt. They are in violation of the Fair Debt Collection Act as they must validate, verify, and prove all debt with 100 % accuracy. If they do not, reporting should cease. XXXX also must provide proof of any debt that I allegedly owe with copies all items in asked in letter. I have attempted to dispute this matter through XXXX, XXXX, XXXX, and XXXX to no avail. XXXX has failed to validate and answer my questions as requested. As of XX/XX/18, this debt is still reporting on my credit report despite my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This company calls my house non-stop, only letting the phone ring one or two times. When I answer the phone get a tone like someone hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I tried to file for a free credit freeze, online, with Equifax@equifax.comXXXX, a few days ago and for several hours this a.m., but they keep telling me that my email address is invalid. It is not and it is the same email address I hv ALWAYS used with them. ( I hv an acct with them ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease

Company response to consumer: Closed with non-monetary relief