vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.

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 2018-02-25 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:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by TransUnion. TransUnion refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX XXXX, this inquiry is showing that it was pulled in XXXX XXXX, XXXX XXXX   XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX   XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by TransUnion. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from TransUnion.

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 2018-02-25 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This is the last attempt to validate this alledged debt. 

I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax and XXXX both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: FACTUAL DATA CORP.
State: GA

Complaint narrative:
The inquiry made by Factual Data on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018 I filed a complaint against Equifax with the XXXX XXXX XXXX for Georgia. Then on XX/XX/2018 the Georgia XXXX   XXXX XXXX XXXX XXXX XXXX, under the direction of the XXXX  XXXX XXXX 's office notified one " XXXX XXXX '' with Equifax to contact me to resolve a very serious issue. The reference file number for this case is XXXX What this all boils down to is this. 

After the massive hack that Equifax suffered I decided that I wanted Equifax to purge my personal data, especially my social security number from the Equifax database. Not only has XXXX XXXX not contacted me as of today XX/XX/2018 but I did get to speak with a Equifax customer service representative who informed me that Equifax lacks the technology to remove my name from their database. That statement should bring action from both your agency and the Federal Trade Commission for the following reasons : 1. Equifax has been contacted by me and Georgia XXXX  XXXX XXXX XXXX XXXX XXXX to address this issue. Equifax may be worth billions of dollars but, Equifax to the best of my knowledge can not violate my rights to privacy and in this case I have formally requested Equifax purge my data from their database. 

2. When the customer service representative told me on the phone that Equifax does not have the capability to remove me from their database then I sincerely feel the Federal government needs to launch an investigation into Equifax because as someone who has actually designed databases I can assure you that removing a consumer from one 's database and then flagging that person 's record so it is not again populated is a very simple task. The representative from Equifax either lied to me, or Equifax does not have the simple technical capability to manage their own database. 

XXXX XXXX 's business contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be  paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

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 2018-02-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX SYNCHRONY BANK XXXX XXXX SYNCHRONY BANK XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

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 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: FL

Complaint narrative:
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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:
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

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 2018-02-25 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: NM

Complaint narrative:
Equifax, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX transunion cra violation inaccurate information sent my police report what else do they want

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 2018-02-25 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: Regional Management Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX, XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-02-25 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: OH

Complaint narrative:
I looked up my credit report on XXXX XXXX, saying that i owe {$50.00} to XXXX med center through Allied Collection Service. Not sure what this charge even is, the date goes all the way back to 2013! There is a hard hit on my credit for something i know nothing about and i just want it removed.I am willing to a pay a portion of it but not if they are just going to take the usual {$10.00} off because i feel that i do not even owe this money. I have received no information on this and have no idea what it is for and if its even mine. I know this company wants to get paid so they need to work with my needs not theirs. Statue of limitations in Nevada is 4 years, this needs to be removed from my credit once and for all.

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