vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We went to the PNC branch to open a joint credit card in XX/XX/XXXX. We specifically asked for a joint card numerous times. When we got our cards in the mail, we realized the woman opened us two separate credit cards, instead of a joint.

When we called PNC and spoke to her, we had a hard time reaching anyone, then she reported that she did not know you could open joint credit cards and that she had indeed opened two separate accounts.

This was escalated to the branch manager, then was escalated to corporate in XX/XX/XXXX. We still have not received any resolution about this problem. We have two separate cards which we did not ask for, and they have not helped to close the accounts or open the joint one we asked for. Corporate is barely responsive to our numerous outreach attempts, and still says they are trying to resolve the issue. It has been 6 months, and we have not heard anything about how they will resolve this or what they will do to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to investigate the following accounts that are fraudulent. These accounts do not belong to me. I have contacted experian online and they refuse to accept my dispute online. The also refuse to connect me to a representative to handle my dispute over the phone. They have been fraudulently re-inserted onto my Experian credit report.The following accounts are not mine : XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX- 4 accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: GA

Complaint narrative:
I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly asked TransUnion for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports.

TransUnion states that these companies had a permissible purpose but have not provided me with any documents showing so.

I need to know the name of the person from each of the companies that received my credit reports from TransUnion and for what permissible purpose as well as all documentation TransUnion received to give these companies access to my credit reports. I am also requesting the name of the person from TransUnion that provided my reports to these companies. I need to see documentation on all inquires listed on my TransUnion credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. TransUnion ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to TransUnion making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that TransUnion delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with TransUnion as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX and my legal counsel.

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 2018-05-29 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: DE

Complaint narrative:
A business account XXXX XXXX card was compromised and changed to a fraudulent address, fraud and unauthorized charges were made on the account i reported it and the account was closed from XX/XX/2017, now after 6 months they put the fraudulent charges on my personal credit report with a balance of XXXX. i do not owe them any funds, the account had a -- {$5000.00} credit balance in XX/XX/2017 and the account have been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: CA

Complaint narrative:
On my transunion credit report as of XX/XX/2018 it shows a collection/charge off account for the entity XXXX XXXX. I do not have nor ever had such account as listed as 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 2018-05-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted this information multiple tomes and no response from debt collector and experian is reporting as accurate and hasn't provided the proof that is being submitted for this Experian XXXX. XXXX   XXXX XXXX, TX XXXX RE Account : XXXX XXXX XXXX amount {$2600.00} To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

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 non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Co-Operative Adjustment Bureau, Inc.
State: CA

Complaint narrative:
Issue details 1.When I vacated the property, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, back in XX/XX/XXXX, I did request property manager to come for final inspection, but he didnt show up. We did clean up and handed over the property the same condition as it was given to us. I paid the rent until last date, pls find attached copy of final check. And they said, after I move out, they will return my deposit, which they never returned! There are no outstanding rent from my end. 
2.After leaving the apartment, I am not sure what work they did, but they charged me {$2100.00}, as changing carpet and painting etc. I lived there less than 1year, not sure on what basis they spent this replacement? 

a ) Apartment manager never notified us or given any quote before spending their expenses ( as per California law, landlord required to give 30day notice prior to repairing the premise ).

b ) Apartment manager never did walk thru to check the property. When they sent me letter quoting some charges, I replied back to them that these are invalid charges, pls find attached multiple letter sent to them as registered post. But they never responded back to my letters instead they gave it to collection agency. 
3.Pls find attached claim # XXXX filed and its clearly mentioned that it should not affect my credit records.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: ABR Recovery Services LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my XXXX credit report. I immediately filed a dispute with XXXX  stating the account was not mine. I was informed by XXXX that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. XXXX contacted me again to say that the collection agency still reports it is mine. I was told by XXXX to contact the collection agency because XXXX does is contact the company and the company says it is mine an that's the end of the story. I contacted ABR, albeit reluctantly because I felt like XXXX did not do their due diligence and I am afraid of repercussions from the collection company and XXXX. At ABR I spoke with XXXX who stated that the account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with XXXX was over 700 and now it is down to like XXXX. That should not be allowed especially because it is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have repeatedly asked Equifax for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Equifax states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Equifax and for what permissible purpose as well as all documentation Equifax received to give these companies access to my credit reports. I am also requesting the name of the person from Equifax that provided my reports to these companies. I need to see documentation on all inquires listed on my Equifax credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Equifax ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Equifax making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint.

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Equifax delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Equifax as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX  and my legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: PA

Complaint narrative:
My name is XXXX XXXX and I have been a navient / sallie mae customer since XX/XX/XXXX. I graduated in XX/XX/XXXX and have made all my payments for 12 years straight up to XX/XX/XXXX with over 90,000 dollars of interest.

The original principal on the loans ( 6 separately scams ) were XXXX + capitalized interest at the tune of XXXX dollars in XXXX but that's separate from why I'm writing you.

I lost my job in XX/XX/XXXX and have received harrassing phone calls from the company at the tune of 20+ calls a day for the last 9 months.

I have read about suits being awarded individuals who have received 300+ phone calls from this company in a matter of weeks. We are getting about x18 the amount of calls from them.

Additionally they have ruined my XXXX credit rating and taken every dollar I've had left.

If you have time to speak or think you could help in any way please reply to this email.

My number is # # # # # # and will have a cell phone soon since I was lucky to land 2 jobs. I'm trying to avoid going through this for another 12 years since I was rarely unemployed and very credit worthy before their ruins. There is about 65k left on the loans so we basically got nowhere after their games the last 9 months.

I'll be obtaining a call log from XXXX since they use 5-6 numbers to call me roughly every hour, sometimes twice an hour.

Thanks so much for your consideration Navient is the servicer and they are private variable rate loans since no one wants the debt or co sign liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC.
State: KY

Complaint narrative:
ABR Recovery Services continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act.

ABR Recovery services contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with ABR Recovery in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted ABR Recovery Services on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since.

ABR Recovery Services has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX.

ABR Recovery Services has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), ABR Recovery Services, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?

Company response to consumer: Closed with explanation