vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 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: MO

Complaint narrative:
I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2017-11-10 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX ( see attached letter ), I sent Commonwealth Financial a certified, with return receipt letter requesting that they provide competent evidence to substantiate any legal obligation I had to pay them. They did not provide any validation to justify the erroneous, inaccurate, unverifiable entry they are reflecting on my credit reports. I then attempted to contact them again ( see attached letter dated XX/XX/XXXX ). I again recapitulated the letter I had previously sent them in XX/XX/XXXX. In this letter, I requested that they provide me HIPPA authorization, payment agreements, proof that they have the authority to collect this alleged debt and proof there is some contractual obligation which is binding me to the alleged debt. 

To date, they have not provided me with any information nor signed documentation, a clear accounting of the alleged charges as well as history of payments. This company is violating various statutes and laws in particular FCRA, FDCPA, FACTA, and FCBA. It is obvious and apparent to me that this information is incorrect and they do not have any evidence to substantiate their reporting. This entry must be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.

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 2017-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.

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 2017-11-10 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: GA

Complaint narrative:
On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.

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 2017-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC buys statute barred debts and fraudulently use a newer date on credit reports. I have been receiving letters from Portfolio Recovery Associates, LLC for credit card debts that are over 10 years old and written off by original debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays bank delaware. 
Fraudulent charges made on visa.

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.

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 2017-11-10 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: CORELOGIC INC
State: CA

Complaint narrative:
Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up the phone.

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 2017-11-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.

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 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
I received request from Diversified that they were trying to collect this debt that is not mine. I mailed them a certified letter that was signed for requesting them to verify this debt with proof of application, signature on application, all accounting information of this debt. This was signed for by someone in there office as I have the receipt. They did not send me proof of validation of this debt and this was previously deleted from my credit by a different agency as they seen this was not my account. Now today I see this has been added to my credit report! this is violated my FCRA rights and I need answers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.

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 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted

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 2017-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}

Company response to consumer: Closed with non-monetary relief