vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: MS

Complaint narrative:
I satisfied a judgement with the court for an item listed on my credit report. The judgement for XXXX XXXX XXXX was paid in full on XX/XX/19 in the amount of {$2200.00} I received the Notice to Justice Court of Judgement Satisfied and submitted that document with my dispute to Equifax to request the status be corrected or updated. 
Equifax stated they electronically submitted a request for information from XXXX XXXX and received a reply on XX/XX/19 that the information listed on my report was accurate and still owed. 
I spoke with a XXXX XXXX XXXX in the collections department at XXXX XXXX who stated to me that the company does NOT answer disputes from credit reporting agencies and explained that disputing the balance would be the easiest way to have the item removed due to the fact that they dont answer disputes. 
I spoke with a supervisor @ Equifax by the name of XXXX @ XXXX ( CST ) on XX/XX/19 and she explained to me that even with court documentation confirming the judgement has been satisfied, that it will remain on my credit report with the balance still showing as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent XXXX XXXX a letter asking for validation of this medical bill on XX/XX/2019. The FCRA gives them 30 days to respond, It is now XX/XX/2019 and I have not received any correspondence from them. I have also contacted the credit bureaus asking for validation and proof of this debt and they didnt send the results either. I never signed a contract with XXXX Outcomes giving them permission to receive my medical information. This is a clear HIPAA violation

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 2019-03-26 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: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The purpose of this correspondence is to obtain your assistance with an alleged debt that IQ Data International is currently reporting on my XXXX   credit report. After discovering this debt, I disputed this with XXXX I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by XXXX credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify- through the physical verification of the original signed consumer contract of any and all accounts posted on my credit report. XXXX  sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which XXXX is complying with federal law to verify this alleged debt. 

XXXX failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to IQ Data International on XX/XX/XXXX Returned certified letter to IQ Data International SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel IQ Data International to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Lately I've noticed that my late payment information with JP Morgan Chase mortgage is being changed. It's happened two months in row. I use XXXX XXXX to monitor my credit. We sold the home in 2016, so I don't know why my late payments on that mortgage are being changed now. 
I have not contacted Chase about these recent changes, as I do not want to discuss my mortgage issues with them any further. ( They encouraged we apply for a loan modification that we were never eligible for. Requested I miss mortgage payments in order to " qualify ''. Returned mortgage payments I sent them. The foreclosure process began even though we were still in the modification process. Encouraged me to continue the process, even after I explained I was very uneasy and wanted to pay in full what I owed. Lost my money after the denial. Forced me to accrue more missed payments and late fees til they found it. I made complaints to the CFPB, in which Chase investigated themselves and found themselves not at fault. Ruined my credit, forced us further into poverty, which then forced us to sell the home when we weren't ready causing us to lose out on around {$30000.00} if we had waited. ) Then suddenly, they are altering when our payments were made and when they were late. Why is this happening? Please investigate. And I do not want to be contacted by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My private loan, now owned by Navient, should be discharged as the XXXX XXXX XXXX XXXX performed illegal activities in convincing me to enroll in 2007 ( the year I graduated high school ). Now that XXXX XXXX XXXX have permanently closed, my loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from Citibank is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.

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 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
Information placed on credit bureau for {$130.00} on XX/XX/2018. Did not receive notice verbally or written.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: City Enterprises, LLC
State: TN

Complaint narrative:
On XX/XX/2019 at XXXX, I received a phone call from a representative at XXXX XXXX XXXX to a late car payment that was due XX/XX/XXXX. I assured the representative that I would make the payment. At XXXX on XX/XX/XXXX, I receive a phone call from the same representative. I asked her not call my phone and that I would pay when I have the time since I was at a meeting at my daughter 's school. She called back from an unknown number at XXXX, which I answered and hung up after hearing the representative 's voice. I have missed calls afterwards from a private number at XXXX. Three calls from XXXX at XXXX. Three more private calls at XXXX. There were also calls made to my fiancee 's phone while he's at work. After the parent meeting, I called back to speak to a supervisor. Their major concern was the late payment of {$100.00} out of {$160.00}. The measures taken is not necessary and is ever necessary. This is not the first issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
This account was paid off in the form of a settlement. I'm still receiving bills from the collection company. This account was settled in the beginning of last year in the amount of {$750.00}. They have me in collection in the amount of {$1000.00}. This account has been closed and paid off. I tried to resolved this issue on my own but their customer service is rude and unprofessional. I'm getting frustrated because they act like they do not understand their customer. They tried to scream at me for something I already paid.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation
State: SC

Complaint narrative:
on XX/XX/XXXX, My husband and I went to look at a used car from a dealer we have dealt with three times now. We drove that car away that day. The dealer advised he now uses US Auto Credit for lending and someone would be calling me to do a quick identity interview. This was done on XX/XX/XXXX as I have an email confirming I did this call. Prior to this I rec 'd collection calls to make my first payment which I learned was on XX/XX/XXXX before I even completed the interview and frankly didn't even know US Auto Credit was the finance company as the dealer just stated he uses a auto loan company now and we  didn't know the name. Since XX/XX/XXXX the dealership has had to replace the 45 day temp tag on my car several times ( over 125 days total now ) bc the Auto Credit company despite the dealer collecting {$400.00} for my tags and taxes has failed to provide me a tag or registration for my vehicle. I have made every payment until my payment due on XX/XX/XXXX until they provide me my tag, if they don't then the car will be going back to the dealer if I cant get it resolved here and subsequently removed from my credit and a refund of all payments made to the Auto Credit including taxes and tags will be returned even if I have to seek legal counsel assuming it cant be resolved here. Of note, I have had this vehicle insured since I drove it away on XX/XX/XXXX as a safety precaution for myself and my family and I will upload proof as well as proof that I have paid for the tags and taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank fees and stop XXXX payment I have a problem with XXXX.I cancelled my XXXX agremment two month ago and they accepted it.But they charged me a couple time ( Date:XX/XX/2019 {$12.00} / Date:XX/XX/2019 {$15.00} ) .I ve talked XXXX more than ten times but they are not helpful, I tried to get my conversation more than last one as a proof but i am scaring to charged me again, They are charging me again again and again their customer servis very bad.They have wasted my time asking questiones.End of the talk, they are saying at this time you use account but next mounth we wont charge it but charged it again.So i need to stop this XXXX  payments on my Chase Bank Acount . But Chase Bank doesn want to stop it cause of insufficent fee XXXX dollars.And they dont want to block XXXX payment .The solution is replacement of cart but i am going to waste time and money again.XXXX  frauding me and Chase cant stop it and supporting them. 
My case Bank Acounnt number:XXXX My XXXX Acount Name : XXXX My email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: Westlake Services, LLC
State: FL

Complaint narrative:
Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc
State: NY

Complaint narrative:
XXXX XXXX incorrectly sent this bill to collections which was processed incorrectly for XXXX XXXX. I called the insurance company they reprocessed the claims and paid them. This collection agency is attempting to collect a debt paid by my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.

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 2019-03-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX of 2016 I opened a XXXX XXXX XXXX  account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of 2016 I opened a XXXX XXXX XXXX account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.

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 2019-03-26 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: FL

Complaint narrative:
I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX 2 Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry :XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  Inquiry : XX/XX/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 2019-03-26 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: Summit Financial Corp.
State: FL

Complaint narrative:
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.

Company response to consumer: Closed with explanation