vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Back in XX/XX/XXXX of last year XX/XX/2018 I cancelled my service with XXXX. I cancelled the service with being about 2 days into the billing cycle for that month. I told the rep I would pay for the service I used but that's it. They claimed they couldn't do anything about it until the bill generated. I filed a dispute with them immediately. I was told I didn't need to call in anymore and they would give me a call to discuss the situation. XXXX rolls around and I am moving out of my apartment and at the same time suffering with XXXX XXXX  and having a XXXX  XXXX that failed removed. I started to get bills in the mail for around {$170.00}. Not only is that amount wrong but its significantly higher than what I should owe which is around $ 3-5 $ for two days of service and the company didn't follow proper protocol to dispute my case with ME ACTUALLY BEING INVOLVED AND AWARE OF WHAT IS GOING ON. They made a decision without informing me of anything and submitted me to collections. They never even sent me any documentation stating how they came to their conclusion. By the time I found out I was already in collections. I paid my bill a month in advance for over a year so not only did they take the credit on file. They charged me an additional {$170.00} or so over. I called back in and was told nobody could help me at the moment as the dispute was still being looked over. In XXXX ( which was plenty of time ) I get a letter from a collection company saying that my account was turned over to them. What I did not receive was ANY documentation saying how they came to this conclusion and NO phone call from anyone to discuss the situation. I called in again and XXXX told me they couldn't do anything about it since it was put into collections but that is not good enough. That is a sorry excuse for their actions and they must pay for it. They even tried to justify charging me extra stated since I cancelled my service early their was a early termination fee. Well the only problem with that is I WAS NEVER ON A PLAN. I WAS MONTH TO MONTH!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to XXXX  XXXX and I received a receipt for my payment.I am now being hounded by Portfolio Recovery Associates, LLC for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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 have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ( XXXX  ) XXXX to whom this may concern My name is XXXX XXXX and I want to file a complaint against XXXX XXXX, XXXX. Experian because the information that they are putting on my credit report is not accurate and it's fraudulent.

I have been a victim of this crime twice and this time am fighting back am no longer going to allow the credit company to keep putting fraudulent accounts on my name with out proof it's me. 
I had a block put on my credit report many years ago so what am trying to understand is how do one have a block and still criminals still some how gets a hold to my personal information and open up fraudulent account with my driver license number and my social security number and how do they get this information it baffles me every time. I lost my driver license back in XX/XX/XXXX in XXXX XXXX when I went there to visit my mother but I never thought nothing of it until I look at my credit report and saw all that fraudulent stuff on it and I made call to each and one company and nothing has been done. I even call the account holders about the account and they told me it was in my name my I.D . and my social security and there is nothing they can do about it and am not going to stand for it no more longer. it's there job to keep that fraudulent mess off of my report and if I have a block I should of been notified when account were open in my name but I was never notified about anything and when I look at my report I just seen so many fraudulent account so many different ways of my name and many address that I never live at ( like XXXX XXXX ) I never live in XXXX XXXX in my life and when I told them they did nothing about it. 
then they had a address that was a XXXX XXXX and how I found that out I live on XXXX  and when I saw the address I went to it and it was a close XXXX XXXX and I fall to the floor when I seen that.

so now am more convince that the accounts on my report are fraudulent and that's not right for some one to open up account in my name when I have a block on my name. 
I want all those fraudulent account remove from my credit report because I no nothing about any of those accounts the only I want is my name right and not put something on me that I did not do. 

Thanks 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 2019-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NE

Complaint narrative:
Had an insurance claim check sent due to hail damage, paid {$8000.00} out of pocket to get repairs done before snow. Confirmed with multiple reps we have all required paperwork, sent endorsed check, insurance estimate and proof of completion by contractor. Had the paperwork tracked, they received paperwork on XX/XX/18. Waited 10-15 days for processing for check to come in the mail. Finally grew impatient and called only to find out they left messages for insurance company to call them back to confirm damage. We contacted insurance company and they verified no contact with them had been attempted. Called XXXX XXXX  back to prove direct phone number of our adjuster to be told they will try again, call back in 3 days to allow more time to call again. Called again following week that they are missing paperwork and have not called insurance company. Approximately 7 calls later finally speak to someone who stated they only need me to verify type of damage and now we need supply list of additional work needing to be done. We get a supply list, email it to them on XX/XX/XXXX, call on XX/XX/XXXX to be told wait 2 more days to process. Called on XX/XX/XXXX to find out they didn't receive the email even verifying address was correct. Forwarded email directly to loss claim rep and still no response. This has been 45 days now with continued " processing '' with no resolution in sight. 
XX/XX/XXXX paperwork received, XX/XX/XXXX paperwork processed, XX/XX/XXXX letter sent more paperwork needed, XX/XX/XXXX postdate of letter, XX/XX/XXXX letter received. XX/XX/XXXX additional paperwork sent, XX/XX/XXXX nothing accomplished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NV

Complaint narrative:
This is in response to complaint number XXXX, filed against XXXX. XXXX  seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that XXXX  is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. XXXX  HAS NOT followed the law according to the FCRA by sending me this validation. Yet XXXX  only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to capital one and I received a receipt for my payment.I am now being hounded by XXXX XXXX XXXX, XXXX for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: SCA Collections, Inc.
State: FL

Complaint narrative:
Re : XXXX XXXX acct. # XXXX and SCA Collections XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) 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 2019-01-17 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:
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; Experian, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) 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 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
capital one id number XXXX account lying, improper id patriot act violation unfair practices, discrimination racism this worker closed a credit account without permission due to asking to asking top speak top a higher rank worjker. only reason account was closed, i askeed for mediation whih the person ided says we dont allow mediation and we willclose your account, although i asked it not be done untoil i hads a chancew to mediate with someone whicfh was denied then account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have attempted to dispute a very old account with this company for a long time and I have gotten no where. I stopped payment on some checks because I finally realized I was being lied to by Portfolio as they kept making promises that if I paid they would remove this account, but then I was being told that they would sue me and my wages would be in jeopardy. I asked them not to do that and then out of fear I attempted to pay and then I contacted XXXX XXXX  and was told that this account was charged off and I was not responsible for it. When a company charges something off it is included in their taxes and they are somewhat compensated by it. By re-selling the debt they are not only compensated by the federal government but they are getting payment on top of that by having this aggressive and unfair third party company hound me by mail, voicemails and calls and endless threats. I do not owe anything and the charges which XXXX  claims I have as outstanding have been paid in full and I am not responsible. Portfolio is enjoying ruining my life and my credit and I will not stand for it anymore. Their letters contradict what they say on the phone, they are sneaky and manipulative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

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