vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). 

XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and  observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello there, I found two hard inquiries ran by " XXXX  '' on XX/XX/2018, and another one called " SYNCHRONY '' on XX/XX/2018. The one that states " XXXX  '' is legit but " SYNCHRONY '' came out of nowhere and I am unable to dispute this issue.

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I have reached out Grant and Webber, XXXX, and XXXX  so many times for proof of contract with this debt. I have not received anything from neither companies.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
THIS IS NOT A DUPLICATE Equifax removed an item the same time as XXXX  from XXXX XXXX  XXXX and its back on my credit when it should have never been there. I was in bankruptcy chapter XXXX when these charges were incurred and the rental company XXXX is still trying to charge me for this rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: PA

Complaint narrative:
XX/XX/2018 I made a loan on XXXX XXXX XXXX and did read the hole loan details for 700 buck I read it today and it said It was over 700 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: NY

Complaint narrative:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit  bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!

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 2018-12-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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:
I wrote to XXXX and Experian & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX  Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX  sent me was Acct number XXXX which is correct, .Experian shows on my credit report Acct # XXXX and XXXX  shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close XXXX  has it marked as bad debt but nothing under payment history.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged two {$34.00} overdraft fees from Chase on XX/XX/XXXX, one {$34.00} fee on XX/XX/XXXX, and then an extended overdraft fee of {$15.00} on XX/XX/XXXX. 

Beginning on XX/XX/XXXX there was an available balance of {$34.00} in my account. On XX/XX/XXXX an ACH charge went through for {$47.00}, which brought my account down to XXXX. After this, another ACH charge of {$29.00} went through which then brought my account down further to - {$42.00}. In response, I was hit with the two back to back overdraft fees for {$34.00} each, bringing my account down to - {$110.00}. On XX/XX/XXXX another ACH charge of {$13.00} hit my account bringing it to down to - {$120.00}, which triggered another {$34.00} overdraft fee, bringing my account down to - {$150.00}, before being hit with the extended overdraft fee of {$15.00} on XX/XX/XXXX, bringing my account balance to {$170.00} before I obtained enough funds to cover the negative balance. 

I immediately called Chase, but was informed that I had reached my annual fee reversal limit, and that I could not have these fee 's reversed until XX/XX/XXXX. When I asked if they could simply waive them early due to the severity of the situation they declined. I waited a little while longer to call as I believed I could get a manager on the phone to waive them as I have had done multiple times in the past. However, I was told that this wasn't permitted but that I could try going into a branch to " have them waive it there ''. Why would they tell me to go into a branch instead of doing it themselves.This is an obvious case of " the run-around. '' Chase never called or notified me about my negative account status except by email, which is not checked everyday. I received no call from them or even a letter. Rather, Chase just continued to let this happen so that they could rack up more fees. This is a predatory banking practice that should not be permitted to occur. A policy is a policy, so why am I am being told of possible ways to get around it, only to be told no once more. This only breeds false hope, which is extremely unethical behavior and a waste of my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 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: MA

Complaint narrative:
I'm not sure why i keep getting the same parrot information from the XXXX, EQUIFAX, AND XXXX  that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX  revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX at XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX  accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion with a letter containing inaccurate information. They updated some of the information but failed to correct the following information : Inquiries : XXXX/XXXX XXXX -XX/XX/XXXX,  XXXX/XXXX  -XX/XX/XXXX In addition, there continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX. 
I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX  from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group
State: GA

Complaint narrative:
I receive numerous calls daily to my cell and work phone from Profit service group Collections agency employee XXXX from phone # XXXX. I have verbalized to her collection agency to not call me or my job and that I cant take calls at my place of employment. Also my account is not in collection with that company. The medical account in question is being paid directly to XXXX XXXX medical billing department. XXXX XXXX have also notified Profit service group collection agency to not call me because my account is being collected in their office and it is not in collection.XXXX states that she will continue to call me no matter what. THIS IS ILLEGAL BECAUSE SHE CONTINUES TO CONSTANTLY HARRASS ME!!!!!!!! I HAVE MY CALL LOGS FROM MY CELL AND JOB AS PROOF OF CALLS I RECEIVE BACK TO BACK. SHE WILL HANG UP AND REDIAL MY NUMBER SEVERAL TIMES. HOW UNPROFESSIONAL IS THAT.

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 2018-12-13 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: AES/PHEAA
State: NV

Complaint narrative:
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my FICA score by more than 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
On XX/XX/XXXX I learned Equifax had not deleted an account ( XXXX XXXX XXXX ) that I received notification from the the creditor and the OFR would be deleted. The letter was sent to all three bureaus on XX/XX/2018. I filed a dispute for the umpteenth time with Equifax since they " obviousy '' didn't receive the request. I received a response to dispute today that the account has been verified as accurate by XXXX but they modified status date and balance date. Equifax is playing games and I want it to stop! It is OUTRAGEOUS that after the creditor would respond to the Attorney General and myself that they have sent requests to delete that Equifax is the ONLY bureau that did NOT receive it AND verified the account as accurate FOUR months after the fact. I want this company STOPPED! They do not investigate anything. They barely review your request. I am being fiscally harmed by their inept ability to handle business accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Dear CFPB, I opened a credit card with Capital One in XXXX, and the address on the account was an old rental address of mine in Maryland. I moved from that rental property in XXXX, but the change of address I initiated with the USPS apparently did not report back to Capital One that my address was no longer valid, and Capital One continued to mail all of my information to that address for many years thereafter. I forgot that the card was still active, and it carried a XXXX balance for many years until someone obtained my card in XXXX ( likely someone who lived at the rental I previously occupied ) and fraudulently charged several purchased on the card. The total charges were under {$200.00}. 

After a year of calling in several times to Capital One, to log the dispute, and hearing nothing back, and continuing to see this derogatory information on my credit report, I finally persisted today for hours until someone finally told me that they refused to consider the charges true fraud. 

I also found out that the account was still open, but I had closed earlier this year. 

Additionally, Capital One has changed the account number for my card and is reporting two different card numbers for the same account to the credit bureaus, so that it appears as if I have two seriously delinquent cards with Capital One. 

I asked the fraud manager that I was speaking to, XXXX, what I could do at this point. I asked if I could appeal the decision. She said no. I asked if I could be sent a written explanation of why the charges were not deemed fraud. She denied that request as well. I also asked to speak with her supervisor, and she said there was no supervisor available, even though she was only a manager. 

I was defrauded and I'm being denied any kind of fair process. 

Thank you in advance for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have already provided Experian with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, XXXX  was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, Experian applied one, but as of XX/XX/13 XXXX  is still allowing access to my file.

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/2018, I received 1 call on personal cell phone at XXXX. I was driving and could not answer. 20 minutes later when I had the opportunity to listen to the voice mail, it was identified as USI, a debt collector and I was given a number to call back and a reference number. I did not have time to call then but returned to my office. I arrived at my office at XXXX and was given a note that the same number had called and left a message for me to call. At XXXX XXXX  I received a text from my son-in-law stating the same number had called him looking for me and left a message with him for me to call XXXX ext XXXX. This seems excessive and harassing as I am sure that other people were contacted and I have not heard from them yet. 
I called the number provided and extension and was sent to voice mail. I left a message that I contest the debt, wanted all calls stopped and to be contacted via US Mail. I additionally went to the web-site for USI and used the contact form to send them the same message and provided my mailing address there. 
The tactics of this kind of phone calling seems a violation of the FDCPA. If they can provide the information I requested and it is valid I will deal with it but it is harassing to call a bunch of numbers that are some-how linked to me to collect an unverified debt.

Company response to consumer: Closed with explanation