vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had bankruptcy # XXXX on XX/XX/2009 case was closed, Portfolio recovery trying to the discharged debt to collect from me. calling to my business number every day up to 3 times and hang up each times with different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 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:
Trans Union, XXXX  and XXXX  are not responding to any of my numerous 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 2019-04-14 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:
XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 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: VA

Complaint narrative:
Portfolio recovery agency purchased two of my debits owed from a credit card I defaulted on. Portfolio recovery agency filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. In XXXX the two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. Portfolio recovery agency responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX of 2012, I went to purchase a XXXX vehicle from the dealership. I had saved up {$10000.00} to make a down payment on the car. The cost of the car was XXXX as advertised online at the time, on the XXXX dealerships website. When I went to purchase the vehicle, I was told that I would need a loan in order to complete the purchase. The dealer set me up with the finance department, and they proceeded to check my credit with XXXX. XXXX denied me for the loan, so the next step was XXXX running my credit thru the Toyota Finance department. I was immediately approved, especially after they knew that I had a substantial deposit amount. The dealership then proceeded draft up a contract. I ended up Financing the car from the dealership. I believe that I was mislead in the pricing and over charged on the interest rate. This lead to me paying double the price for a used vehicle. My initial down payment was absorbed by the company, and When interest was factored in, I would be paying the listing price. I believe that my down payment was pocketed and then the dealers calculated a rate that would end up making me pay the listed price through interest even though I had made a down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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 Contacted company requested that they verify the debt, they were unable to do so, and they requested I reach out to Experian to have the item 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 2019-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX  purchased two of my debits owed from a credit card I defaulted on. XXXX   XXXX XXXX filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. InXX/XX/XXXXthe two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. XXXX XXXX XXXX responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.

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 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-14 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:
Trans Union Inquiries on my Trans Union report don't belong and the credit reporting agency above will not remove them after trying to issue a dispute with the reporting agency ( 1 Factual Data XX/XX/XXXX ) Trans Union will not remove the inquires off report I was told all inquiries had to stay on report this is not fair called on 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 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
My insurance carrier at the time required pre-authorization for a procedure that was done. I was not advised at the time of treatment and i didn't give written consent for payment by me.. I had thought it was resolved on several occasions as i contacted XXXX and they assured me it was resolved. However i continue to see it on and off my credit report. There is no justification for this bill. It was an insurance issue that the provider did not do what they were supposed to by getting an authorization. Is there also a no balance billing in place also here?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: MN

Complaint narrative:
I have two outstanding medical bill with this company because they failed to submit the claims to insurance which I provided in the hospital, now due to timely filing they are refusing to submit the claims and saying its my responsibility when in fact I don't handle billing nor sending claims to insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I was selling speaker set on XXXX app. I found a buyer and they sent me check {$1500.00} but then I deposited and buyer told me to download XXXX XXXX and then he told me to send to XXXX XXXX XXXX via XXXX XXXX of {$1100.00}, and later next day he told me it was not enough money for movers, and so I sent another amount of {$300.00} to XXXX XXXX XXXX. Approximately 1 to 3 days later, my bank told me that the check of {$1500.00} was cancelled. He then told me he will send me new check of  {$1500.00}. but I never heard from him since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WI

Complaint narrative:
The credit card company / Bank did not process my payment correctly and now it shows up on my credit score.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: IN

Complaint narrative:
This is a third request to get my credco saferent full consumer disclosure.credit report. 

-XX/XX/XXXX, submitted cfpb complaint along with all requested documentation. Credco saferent then stated that they sent consumer file XX/XX/2019. This was a lie. I received a rental property solutions reports, not a saferent report. Per my previous cfpb complaint send me a copy of my credco saferent full consumer disclosure report immediately.

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 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/2019, I tried to use my Arvest debit card to purchase about {$50.00} worth of groceries from a local market. My card was declined. I called Arvest and was first asked for the last four digits of my Social Security number as well as a recent transaction amount on my account. After about 20 minutes of waiting, I was told that my debit card had been reported stolen by someone who isn't even listed on my account and was not pretending to be me. I was told this person had reported my card stolen on XX/XX/2019, about five days previous to this. 

I was not informed of this incident via telephone, email, the bank 's online messaging system, nor in the mobile app. I was told that this person would not only need my Social Security number and recent transaction information, but would also have to know my bank account number and my debit card number. This is all quite impossible unless perhaps you work for Arvest Bank.  They are the only institution that would have access to all this information. 

My main complaint is how a bank would allow a person to call and make any changes to someone else 's account without the account holder 's consent. I believe this was an error by the bank to close a legitimately stolen debit card but accessed my account by mistake. This is especially likely since I had been informed the that person who made the report shared the same last name as myself, but whose first name I do not know. I believe the bank simply searched on the last name without getting any verifying information on the caller, found my account and closed my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On the XX/XX/XXXX I sent TransUnion a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by TransUnion on Tuesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with TransUnion for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from TransUnion of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law.

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against TransUnion.

**see affidavits attached**

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 2019-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/2017 Kohls shows a missed payment. 
I called them, they had an error processing my payment on THEIR and and it negatively impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX placed the account on my credit report same name but incorrect social - its similar but not mine - so I believe it was fraudulently used. The EOS company is reporting on my report and its inaccurate and not my account. 

When I called they said my last 4 were not what they had but similar - and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my transunion report updated to a new 90 day late with the date of XX/XX/XXXX for this account. This was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on my consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated 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 2019-04-14 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:
XXXX, XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me. 

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help 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 2019-04-14 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis was sent a letter on XX/XX/2019 requesting for both a copy of my report, and for LexisNexis to up date my information by deleting all incorrect information that may be on my report. 

Today is the XX/XX/XXXX, well over 30 days and I have been ignored. This is a violation! 

I need LexisNexis to provide me with my report and correct any information listed in the letter. I will reattach the letter. If I do not receive this information within 15 days, I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has been improperly reporting an account from XXXX XXXX XXXX XXXX  on my credit report for the past two months. TU reports it as delinquent with a current balance ; XXXX and XXXX   report it correctly. The account was included in my bankruptcy and discharged ( see attached complaint and documentation ). I called TransUnion multiple times, sent them letters, used their online dispute process to no avail. Please help. 

All information is in the attached documentation. Please call me at XXXX or email me at XXXX to confirm receipt and update me. 

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 2019-04-14 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: GA

Complaint narrative:
I contacted Experian on XX/XX/2019 after receiving an email that the status of one of my accounts changed. I initially attempted to dispute the information online after reviewing that my XXXX  account XXXX was showing that I was 30 days late. When I clicked dispute, I received a message stating Dispute Cant Be Processed Online and to call XXXX. I called the number and informed the representative and was advised to go to Experian.comXXXX, fill out demographic/verification information, write a summary and upload my payments to the company and a dispute would be initiated immediately after completion. I completed everything and Ive checked daily and the dispute is still not initiated on my report. Ive provided all of the information to show I paid my XXXX payment on XX/XX/2019, my XXXX payment on XX/XX/2019 and my XXXX payment via two payments one in XXXX and XXXX. I wanted to make sure my payments were a month in advance. To this day, an investigation has not been initiated to eliminate this late payment.

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