vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
on XX/XX/XXXX I used the XXXX app to pay a merchant of accounts for an online video game, I sent XXXX dollars. The merchant refused to send me the account that I paid for and started demanding more money. on XX/XX/XXXX I attempted to have a charge back done on my citibank card and was prompted to ask the company XXXX for a credit to my account. I received a reply from XXXX on the XXXX stating that there was absolutely nothing they could do and all transactions are permanent. My complaint is both with Citibank and XXXX. XXXX is allowing fraudulent users to break their own terms of service as I was told on the XXXX that XXXX does not support merchant services on their app. Citibank will not authorize a charge back of these payments as a result of XXXX unwillingness to comply.

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 2018-08-09 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: GA

Complaint narrative:
I filed for Chapter XXXX bankruptcy in XXXX of 2017. The courts were automatically taking payments out of my payroll checks ( bi-weekly ). For some reason in XXXX of 2017, the courts dismissed my case. My creditors came after me for payment and I settled with most of them. 

My complaint is that I would like for the negative public record to be removed from my credit report. 

The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Can you please check in to this and provide me with an update? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, i have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have reason to believe that this debt may have been the result of an identity theft. Based on the information provided in my report specifying that I owe an amount of {$6700.00} for an apartment at XXXX XXXX. This information is completely false and inaccurate seeing that I never lived at this apartment location, nor is the address being reported on my credit. It makes no sense at all and I wish to address this matter with your consumer bureau. I have been struggling to resolve this matter for almost five years now and it has been one heck of a journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you

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 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JTM Capital Management, LLC
State: OH

Complaint narrative:
On XX/XX/2018, I received a letter from a debt collector XXXX XXXX claiming that a debt was owed by me to another debt collector JTM capital. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a  debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their  response letter, XXXX clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, XXXX furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. XXXX XXXX are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to XXXX today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. 

Failure to do so can result in a {$1000.00} fine per un-deleted item.

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
debt is being report as collection or charge off in the amount of XXXX, I have never been under contract with XXXX, I have disputed several times with Experian and XXXX   the information being reported has not been validated and is inaccurate, both XXXX and Experian don't show a whole account number. also the contact information on report is inaccurate I have tried contacting XXXX through the address on my report and phone number, in which letters are sent back as un deliverable the FCPB has tried making contact and has not been able to contact either, So under FCRA not being able to dispute and wrong information add to report must be deleted, I will not file another complaint after this but am in prosses of filing a civil case against XXXX and Experian, for unvalidate and wrong information being reported to my reports and I will seeking XXXX in court, unless this is solved prior to court I will not settle the day of court.

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 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I am tired of being harrassed and stressed by this company. A few months back, their agent XXXX XXXX was calling me from different phone numbers and harassing my relatives and stalking my social media. Now their agent XXXX, is having people come to my home in plain, unmarked cars, placing notices on my door. These notices have WAY too much information where any random person can walk up, read it and figure out my personal/ private business. He called last month to harass me after I made a payment and said they were going to pick my car up for {$5.00}. He keeps calling even when I've notified them of when the payment would be made. He said today that he has left several messages, which is simply not true. He made phone calls and hung up withOUT leaving a message. 

I have asked this company several times, by phone and by email, to refrain from having their excessively aggressive agent, 'XXXX ', contact me, but they still keep allowing him to. 

I have had this car/ loan for over three years now which appears to be a long time for anyone to have a car with this company. I've put several XXXX dollars toward the loan as well as the mountain of repairs. I do not plan to loose the car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, my TransUnion FICO score dropped from XXXX to XXXX and has since declined to XXXX by XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to understand why my score dropped. The customer service rep and manager said that my dropped because of my " delinquent '' ( closed ) account from XX/XX/XXXX, and that I have several student loan accounts that recently have been closed. 

I explained to the manager that I paid-off the loan on that delinquent account back in XX/XX/XXXX/XX/XX/XXXX and that my score was previously impacted by the delinquency in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They responded that the TransUnion algorithm can choose to re-include that account in my FICO calculation. This effectively penalizes me multiple times for one delinquency. 

Regarding the student loan accounts, the manager said that I am being penalized because those accounts were closed. I explained that I paid-off all my student loans, that is why those accounts are closed ; I went on to explain that paying off my student loans makes me more credit worthy and confused why that would negatively impact my FICO score. 

They offered no resolution for my above arguments.

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 2018-08-09 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: GA

Complaint narrative:
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.

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 2018-08-09 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: GA

Complaint narrative:
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.

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 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/2018 my wife did let she do every month went to XXXX XXXX  to do a debit transaction with our XXXX XXXX debit card. She was transferring a total of {$1000.00} from the XXXX XXXX debit card to our XXXX XXXX  account but the transaction was decline because there was only {$1000.00} on the XXXX XXXX debit card and she thought it was {$1000.00} on the card. The transaction did not go through I was charge a {$1.00} for a decline fee. After this my wife decided to wait for the next day to redo the transaction because XXXX said they could only swipe the card once. My wife left the bank to go to the store and the card was decline because funds were not available. At that time i went on line to look at my account and saw where it had the {$100000.00} pending so I called the customer service number and they told me that my money would be available in 6 hours so I took their word for that. The next day I went on line to look at my account and my money was still pending. I called the XXXX  XXXX customer service agent again and this time they said that I would have to have XXXX XXXX send them a memo stated that they will not try to get the money back and then they could release the money in 6 hours. We went to XXXX XXXX  and the customer service agent said that once the transaction was decline they had no legal rights to the money so they were lost on why they had to send any kind of statement in reference to getting our money back. I called the customer service agent again and told her that we needed our money and she said she would see what she could do. I gave XXXX  2 days and I went to look on my account and still the money was still pending. My wife went to XXXX XXXX and called one of the supervisor at XXXX XXXX and she had one of the customer service agent with her and the custormer agent from XXXX was willing to tell the agent from XXXX  XXXX that there was no way that they were going to come back and take the money back that was decline but the XXXX XXXX supervisor would not talk to her on the phone and got very up set with us. Today is the XX/XX/2018 and our money is still pending on our account. I have not paid my mortgage and other bills because XXXX XXXX still have my money pending. My name is XXXX XXXX and I would like for you to help me resolve this problem so I can get my money to pay my bills.

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 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you

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