vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: GOLD KEY CREDIT, INC.
State: OH

Complaint narrative:
My credit report reflects a balance of {$380.00} unpaid from Gold Key. 
This is a medical bill charge. I was unemployed at the time, and granted financial assistance, taking my balance down to {$76.00}. This was paid. I had to send backup information of my unemployment and no unemployment benefits multiple times. I also had to send my husband 's information. This was received and I went to the highest supervisor at the medical company who gave me the amount due, and had a bill sent. Due to incompetent representatives, this went on for months. The bill was finally sent and paid XX/XX/XXXX. It did not clear until XX/XX/XXXX. There was no balance due of {$380.00}. Bills were paid, or financial assistance was granted. No collection agency should have ever touched this account because I was working with the medical company directly. 

Email 1 shows much of my communication back and forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018, I sent a letter to Equifax stating I never provided a written or verbal authorization to the following companies to run my credit report. The specific companies involved detialed on my report are : 1. XXXX 2. XXXX  XXXX XXXX and 3. XXXX I additionally sent a request of validation of written or verbal consent to access my credit report. 

On XX/XX/2018 I called Equifax to inquire about the documented the dispute. Equifax did not show proof of authorization and did not remove the inquiries from my report. 

I have attached the certified letter with proof of delivery that Equifax received and signed for the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
RE : CHASE AUTO XXXX Dear Consumer Financial Protection Bureau , The reason I write to you today, is because I have an auto account that is reporting me late, even though the account has been paid for years. 

Please find the below screen shot that is was provided to me by Chase. You will see, that from XX/XX/XXXX to XX/XX/XXXX there were no fees. Then, in XXXX, XXXX, a fee is assessed resulting in the consequent late payments below. 




Additionally, please note, that Chase is indicating to the bureaus that the payment status is 'late 90 days ' while in fact, the account is paid off with no balance showing. 


My credit has suffered because of their error and I would request that Chase remove this account entirely from my credit report, as recompense for their error, which has caused me to pay higher interest rates since this error was reported almost two years ago. 


Many Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I opened CFPB case XXXX where Optimum Outcomes took longer than 30 days and did not provide adequate information to verify the debt. I didn't receive an original bill that would prove the debt ( with information such as the company logo, company address, description of services performed, cost of each service, etc ). This took longer than 30 days and is now past 60 days, and they have not provided any bill or anything that provides real evidence of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX my contact number is XXXX. Ultimately in the last 6 months every time I make pymnts and get a few hundred available to spend or less the Walmart Company decreases my credit limit and I have nothing that I can use. I always make my pymnts I'm a good customer I have made a previous complaint and the customer service said there was no reason for this to be happening she said she would report it and have someone call me or contact me and nothing. I was embarresed at Walmart when I went to pay with my card and it was declined because now whenever there is a little bit they drop the limit. I am a good payer and I'm sick of this treatment for no good reason and I don't understand why. You would think if you have a customer that always pays you would treat them right. I want a response please to this complaint and to stop this because frankly I have had enough.

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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes is sharing my medical information on my credit file ( which has been stolen ) and CFPB in XXXX. They are sharing private medical information and I would like them to stop due to HIPPA and privacy concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: IL

Complaint narrative:
On XX/XX/2018 I went the currencys exchange in XXXX. Il XXXX & XXXX and made a payment of {$1700.00} as requested by my mortgage company. 
Later my mortgage company said they did not receive the payment, I gave forwarded my receipts to to them and they still are not giving me credit but rather proceeding with foreclosure against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was not approved for two loan modification requests. Chase would not accept the income from my tenants who payed me in cash, even though the tenants agreed to sign a notarized statement confirming the payments they made. 
CHASE also said I was not on the loan documentation, but I did sign the original loan documents ( not the line of credit ) and therefore I was not eligible for Modification help. 
Due to being ineligible for help, I listed my house for sale and sent CHASE the agreement to purchase and escrow papers on XX/XX/2018. I kept in touch with CHASE Representative, XXXX XXXX and informed her of the sale progress. 
XX/XX/2018- I receive a call from CHASE represantaive XXXX XXXX informing me CHASE is still researching my request for waived late fees on my loan due to their delays in processing the modification request. We discuss, as we had in past calls, that the house is in escrow, scheduled to close XX/XX/2018. 
XX/XX/3018- I receive a letter from CHASE thanking me for my request for a short sale. I NEVER requested an application or information pertaining to a short sale! I have equity in my house and would not qualify for a short sale! 
XX/XX/2018- I receive a second letter from CHASE stating they have filed a foreclosure and I owe them filing and attorney fees!!!! 
I have equity in my house, enough to cover my missed payments and they are starting a foreclosure on a house in escrow scheduled to close XX/XX/2018! 
I have borrowed money to do costly repairs to my house to assure escrow closes. I have removed asbestos, done septic inspection and pumping, scheduled termite repair and tentin/ fumigation. My tenants have moved, with the exception of two. 
I have started packing my belongings! Now CHASE is starting a foreclosure!!! I informed them of the sale and sent them the documentation! This is a blatant attempt to steal the equity in my home by charging attorney fees and a deceitful attempt to disrupt the sale of my home! 
Please stop these venomous acts towards a single Grandmother who has struggled and fought to stay in her house and once I was denied did everything in her power to sell the house and meet all the requirements to close the escrow in a timely manner. Do not let CHASE destroy the escrow process by foreclosing on a house in escrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2018 XXXX XXXX unlawfully repossessed my vehicle without due process of law. XXXX XXXX failed to send any notice of intent to repossess vehicle through neither certified or registered mail. Additionally, XXXX XXXX failed to validate any debt obligation before repossession, and neither did they loan me any physical money. XXXX XXXX  fraudulently used my name to obtain funds through the Federal Reserve System. They failed to produce any original documents as requested and have already sold the loan package.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed XXXX XXXX XXXX on my Experian report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet Experian and XXXX verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!

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 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
PROFESSIONAL DEBT MEDIAT XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have paid the original debt in full twice. First payment was to the original source of the debt. The second time was to this collection agency who has refused to acknowledge the payment and continues to harass me. Please investigate this predatory 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 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I disputed XXXX XXXX XXXX on my XXXX report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet XXXX  and transunion verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!

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 2018-11-27 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: AZ

Complaint narrative:
Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I received a collection notice from afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX about a debt collection for creditor : XXXX XXXX XXXX XXXX dated XX/XX/2018, the amount of {$480.00}. 

My wife called both companies on my behalf because I am out of town and this needs urgent attention. She spoke to the fraud department of XXXX XXXX XXXX and explained the situation that I am being billed for the services I never ordered from XXXX XXXX XXXX. In fact, this is the second time afni colleciton company sent me a bill, the first one was last year about XXXX XXXX. This time is XXXX XXXX XXXX XXXX of which XXXX XXXX is also subsidiary. According to XXXX XXXX XXXX  staff my wife spoke to, the user was from XXXX, XXXX, Michigan. There is no street name XXXX in my XXXX research. Both XXXX XXXX XXXX and afni refused to provide the street number. XXXX XXXX XXXX acknowledged that there is a fraud on this bill. The bill was sent to my address in California. My last four digit number was being used as well. I believe this is an extortion on part of afni and XXXX XXXX XXXX knowing my address in California should already make XXXX XXXX XXXX knows that the user is from XXXX, MI and yet it sent the collection notice to me at my address in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
Experian verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry 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 explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This Company was hired by XXXX XXXX XXXX XXXX who I was forced to use by my doctor XXXX XXXX, for two dates of service they submitted the bill to XXXX XXXX XXXX XXXX XXXX in 2016 For the mount of XXXX They were paid by a check for their services then they came back and said they were billing three years later for another date of service that I had XXXX XXXX supposedly paid to me I still cant find a copy of that check which I requested from XXXX XXXX, However I paid them back via XXXX XXXX in my settlement {$240.00} this should of never been sold to a third party as its medical records and they are violating Hippa and they were paid. The lawyer threatened to sue me for the difference,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
Transunion verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry 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 explanation
Consumer complaint received 2018-11-27 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA, XXXX XXXX XXXX , XXXX, AZ XXXX ( XXXX ) XXXX was my employer. This was reported to manager and XXXX XXXX the legal counsel at USAA. 

My credit bureau report has been shared with XXXX plus employees. This began on or around XX/XX/2018. A supervisor shared my CBR with co-workers, XXXX XXXX and others. This was an infringement on my right to privacy. 

Some of the witnesses are : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, x XXXX, XXXX & XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, and many other that work at USAA. The attorney general has the witness information and is reluctant to file the charges against USAA. Please stand up for me and my privacy rights. Thank you. 

It also appears that this same company has now reported my history on another person 's cbr, namely, XXXX XXXX. She has sent letters to the CBR agencies to take my information off of her CBRs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account 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 explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account 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 explanation