vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AA

Complaint narrative:
I havent recieved a statement. 
I havent recieved a debit/ credit card. I am a victim Of International crime. I need access to my account ive had to reset my password

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: MS

Complaint narrative:
XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and XXXX will not remove the unverified items.This letter was sent on 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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX 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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXXI filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XX/XX/XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX 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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
Monterey Financial Services aka XXXX XXXX is reporting that I owe them 2 different amounts on my credit reports ; one in the amount of {$2200.00} that they stated was closed on XX/XX/XXXX, and one for {$4100.00} they state was closed on XX/XX/XXXX. 

The payments I made from my XXXX Account are as follows : XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$600.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$120.00} XXXX XXXX XXXX CA XX/XX/XXXX {$92.00} XXXX XXXX XXXX CA XXXX {$100.00} XXXX XXXX XXXX CAXX/XX/XXXX {$170.00} XXXX XXXX XXXX CA XXXX {$83.00} XXXX XXXX XXXX CA XXXX XXXX did not inform me they had closed my account and opened another account. When I talked to them in XX/XX/XXXXI explained my situation. They told me I could make a balloon payment which is what I did on XX/XX/XXXX. 

Additionally, XXXX XXXX stated in my credit reports that my account ( which I never opened ) for {$4100.00} was closed on XX/XX/XXXX. XXXX XXXX called me today ( XX/XX/XXXX ) and told me they needed a payment of {$4100.00} today or they were taking legal action. When I explained to the CSR that I had filed a complaint and would copy her on the complaint, she told me that she was notating in my account that I refused to provide her with information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
TODAYS DATEXXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
I was just reviewing my credit score and noticed four unknown credit inquiries. Three occurred on the day that I purchased a new vehicle, however XXXX XXXX is reporting an inquiry on XXXX XXXX, 2017 via XXXX. On this date, I was still just visiting different dealerships. I can confirm this because I took pictures while at XXXX XXXX and the date lines up with this credit inquiry. I specifically told the car salesman that I did not want to have my credit ran. I never gave any authorization neither did I provide my social security. More so, they never mentioned that they even ran it so I had no idea until now. When the sales person could not get the car I was interested in down to the price that I wanted, he attempted to convince me that another in a different color would be just as good but I assured him color mattered and I would not be leaving without it. Unfortunately, they still kept me there for hours by insisting that his manager wanted to speak with me, all while holding on to my drivers license. When I finally got it back, he said maybe we can try again that weekend. I never went back.

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 2018-01-19 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I attempted to use my Walmart MasterCard at XXXX on XXXX/XXXX/XXXX and the transaction was declined. I called Customer Service regarding the declined charge and was informed that it declined because they sent me a new card. I inquired why with the representative and she could not provide a plausible answer as to why a new card was sent. On XXXX/XXXX/XXXX, I received notice via mail that there was an address change on my account. I attempted to check my Walmart MasterCard account online and learned that my account was closed. I called Customer Service BACK as I did not request a change of address and wanted to know HOW someone was able to request an address change. The representative informed me that the thief used their automated system to request an address change. The representative would NOT provide me with the address that was given to them in Florida nor would they advise me on how the individual was able to do this over the phone. The representative also advised me that the card was reported lost or stolen. The thief was able to spend {$2500.00} on my credit card in Florida BEFORE they realized that the transactions were unusual. My address has ALWAYS been the same and almost all recent purchases show a certain state and city for trending purposes. My question is WHY did n't they contact me to verify this BEFORE they sent a new card to the " updated '' address? I find their policy regarding updating addresses and reporting cards stolen to be absurd and in need of changes as it is not FAIR to consumers that thieves can use this as a tactic to steal identities and credit card information. It is absolutely ridiculous that I had to answer several identifying questions before finding out things concerning my account when the perpetrator was able to simply dial in to the automated system, report a card stolen, and update an address.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Contract was cancelled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 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: TN

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, Kentucky, XXXX, denied my loan application based on erroneous information on my TransUnion credit report, then failed to respond or address concerns related to the loan resulting in several overdraft fees to my account. I would like to complain both against TransUnion for posting the erroneous information and XXXX for relying on it and not addressing the concern once they were alerted that it was erroneous. 

The information of my TransUnion reported was disputed and removed shortly as erroneous. However, without making any effort to contact me, XXXX denied my my small loan request ( {$500.00} ), and then failed to respond when I reported that the information on which they relied was erroneous and deleted. After I complained about the overdraft fees, however, XXXX called me and said they do not respond to messages sent after a loan is denied and I could simply apply again, which of course would damage my credit 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 2018-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Niagara Capital Recovery LLC
State: CA

Complaint narrative:
Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I have been trying to link my TD Bank account to XXXX and the bank is refusing to allow this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: SC

Complaint narrative:
I have mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: SC

Complaint narrative:
No contract

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve. 

Failed to answer my dispute with anything other than the same form letter. 
Ability refuses to provide supporting information to the account they 're attempting to collect. 
Ability fails to recognize they 're original correspondence.

Company response to consumer: Closed with explanation