vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion for the last 2 months sent them identity theft form and disputed accounts they refuse to remove the negative items. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. They will not provide any documents with my signature, information ect ... that I applied or open the accounts. I keep disputing these items and they refuse to remove them.

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 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Law Offices of Vincent J. Buzek
State: CO

Complaint narrative:
A representative XXXX from law offices called me a firstly did not mini or maxi miranda me. I did not fell as though I was treated as at least a sophisticated consumer nor treated with dignity, respect or manners. When I asked the female representative to please send me something via post mail because there are lots of scams and phising companies to get consumer identities and money. If she would send me a validity of the debt, she expressed " i 'm not going to send you anything we have been sending you things since 2015 and you have n't paid us ''. I explained that as a consumer it is my right to have a written copy of this debt she still explained that she is not going to send me anything and that I can come and get one in the office which is in XXXX. I then explained that that city is miles away from me and that I am unable to go and retrieve anything from the offices. Representative XXXX hung up on me Upon reviewing my credit report, this debt is not on my credit report and representative is perhaps lying about the debt or the validity of the " law offices she works for ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Central Capital Arbitration Firm, LLC
State: CA

Complaint narrative:
I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {$5100.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds. 

Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ). 
The letter states that I owe USAA {$26.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA. 

Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {$26.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Data Check of America LLC
State: AL

Complaint narrative:
This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing several accounts with Transunion for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Transunion are violating my rights under this law. I sent out two separate letters to Transunion and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : -XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Posh RE Mortgage corporation
State: CA

Complaint narrative:
I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Rent Recover, LLC
State: NE

Complaint narrative:
This debt was discharged in bankruptcy in 2015. This company Rent Recovery refuses to remove from my credit report and refuses to stop reporting. When I spoke to a rep on the phone the man said that it would not be removed until it was paid in full even though it was a discharged debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Both myself, family members, and employer have received threatening phone calls from Weiss and Associates stating I will be arrested in 72 hours. I contacted the original creditor and the authorized debt collector who informed they have no affiliation with Weiss and Associates. Their persistent harassment has upset me and my family. I lost control when I spoke to them last because they are not legitimate and have obliviously obtained my information through public records. The SS # and email they have do not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that Alpine Credit Inc, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent At this time I will also inform ALPINE CREDIT INC that your offices have reported invalidated information to all three of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all three of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against ALPINE CREDIT INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character VIOLATION OF THE COLORADO FAIR CREDIT REPORTING ACT LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments. 
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition. 
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another. 
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Enhanced Acquisitions, LLC
State: CA

Complaint narrative:
I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient fails to give me the best options for repayment on my private loans. I have told them numerous times that I can not pay such a high repayment and many times I have been given different estimates for repayment or no option for repayment, but just an amount for the month to keep my loans in good standing. More so, the employees have been very rude and telling me there is nothing they can do for me. They contact my co-signer at all times and they have only co-signed on one loan. Futhermore, they would like their bank statements in order for me to enroll into a rate reduction plan when I was informed by a manager that the loan the co-signer signed on was not apart of the rate reduction plan. Navient does not communicate well and does not give the best options for private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Acceptance Corporation
State: MI

Complaint narrative:
I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.

Company response to consumer: Untimely response