vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : ACI # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In 2015 when I was XXXX  with a high risk medical condition Navient steered me into forbearance as opposed to a {$0.00} IBR payment option that was available to me. I have been continuing discussions with a Navient Advocate who is deceptive and strings me along with no response. Ive asked for the recordings of my calls and Navient refuses to give them to me that prove their deceptive trade practices. I have everything in written emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint Mortgage Servicing had placed on my statement date, XX/XX/2019 the 'new ' loan servicer added an unnecessary, unexplained XXXX appraisal cost of {$99.00}. They refuse to remove it and have no legal right to add the additional, unqualified {$99.00} appraisal cost to my loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
To whom it may concern ; Over the past three months, I have carefully monitored the activities of three credit reporting agencies, i.e., Experian, XXXX, and XXXX. Much to my surprise, Experian stood out with a significantly low credit report while to other reporting bureaus was pretty much consistent with each other. Upon contacting Experian and registering online, they provided some misleading information which appeared to be a mechanism designed to gouge consumers. 

For example, Experian provided a credit report at the XXXX while the other two reporting agencies had XXXX XXXX and XXXX XXXX respectively, which translates to a difference of 58 points. Experian then provides a membership that includes compelling consumers to explore boosting their credit scores. Interestingly, my credit to income ratio does not appear to correct. On more than two occasions, this was pointed out to them, yet they continue to ignore specifics. 

Us consumers are being held hostage by these types of predatory credit bureaus that develop these platforms to extort money from the consumers. The questions that need to be asked ; how often do credit bureaus face any form of audits? Precisely who monitor activities to ensure consumers are protected? If I pay for my membership with Experian, what government agencies scrutinize the bureaus to ensure they are providing the services they claim to provide? 

I intend to send an official complaint to the United States Congress requesting the appointment of a special counsel to evaluate and audit credit bureaus. The audit can determine if indeed credit bureaus have indulged in unsavory practices. I am confident that after careful examination, it will conclude unethical practices as well as platforms designed to gouge consumers under pretenses. 

Your favorable attention to this matter will be much appreciated. 

Sincerely, 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 2019-08-31 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: CA

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST EQUIFAX WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EQUIFAX COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER AND THE NAME LISTED ON MY CREDIT REPORT IS INCORRECT. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES, INCORRECT ADDRESSES, INCORRECT EMPLOYMENT INFORATMION AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 4 loans with Navient. 3 of them are current. The other one is behind. I am constantly getting phones several times a day from Navient. Most of the time automated but theres times theres a human on other end but doesn't leave a message.

Today alone I received 6 phone calls. I am aware that I owe the debt. And once a payment is set up via the website that should stop the calls but it doesn't.. There is times I even receive calls before 8 am my time which I am in California and is clearly violation of collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a couch from XXXX XXXX XXXX , and Synchrony Bank issued a credit card for the purpose of providing interest-free, installment financing for the purchase. The couch was defective, as verified by an inspection performed on behalf ot he seller, and we paid the credit card installments as due while the seller was working with us to resolve this issue. The seller sent us a second couch, but it has the same defect as the first, and the seller has refused to take any further action in connection with this matter. We have made repeated submissions to Synchrony Bank, but the responses are all based on the seller 's replacement of the couch and Synchrony Bank has repeatedly ignored our clear explanation that the second couch has the same defect and has ignored our statement that the seller has refused to further work with us. I believe that Synchrony Bank is ignoring our statements because it has a conflict of interest because of its special business relationship with the seller by providing the financing services, so that Synchrony Bank 's responses have not been in good faith. Synhrony Bank obviously thinks that its flow of business from the seller is more important than dealing in good fiath with me.

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 monetary relief
Consumer complaint received 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST TRANSUNION WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY TRANSUNION COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT ADDRESSES ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.

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 2019-08-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
XXXX XXXX XXXXRe-aged Date of Last Activity of XX/XX/XXXX. 

TRANSUNION. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}

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 2019-08-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX XXXX XXXX Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

EQUIFAX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company, claiming to be a credit card company, claims I opened an account with them, a credit card, and are claiming I charged over {$600.00}. I didn't know this until I looked at my credit report. 

I have never heard of this company, apart from commercials. I have never opened an account with this organization or any of its affiliates. I only possess debit cards from my bank and do not own any credit cards. I have never opened an account, line of credit, loan, et cetera, without my sealing the contract with my wet signature. I never have and never will " sign up '' for anything electronically or online. 

I have already demanded via email to be shown the contract this entity says I agreed to, opened, initiated. They have yet to show me a contract with my signature thereon to prove this. And again, I have never contracted with this organization in any way. 

This derogatory entry on my credit report has damaged me. I demand it be pulled immediately, as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : SHERLOQ FINANCIAL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and XXXX that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.

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 2019-08-31 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided. 
XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed. 
They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.

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 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
AMERICAN FIRST FCU ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX  XXXX none of these are accurate please delete.

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX XXXX ONLY ) my DOB isXX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.

Company response to consumer: Closed with non-monetary relief