vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXXXXX XXXXHas placed medical collections on my XXXX Credit Report, which they have not validated. I have sent them a Demand Letter, explicitly stating the requirements for debt validation as per the terms of the law;To: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXI am sending this letter due to your incorrect reporting to the Credit Bureaus. This erroneous reporting negatively impacts my credit which hinders my ability to get financing. I’m requesting in accordance with the Fair Debt Collection Practices Act (15 USC 1692g, Section 809b) notifying you that your claim is disputed and validation is required. I am not requesting verification rather I am requesting validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.I request the following:Justification for the claimed amount, including invoices or receipts.Explanation of how you calculated the amount owed.Copies of any documents stating that I agreed to pay the claimed amount.The identity of the original creditor.Proof that the Statute of Limitations has not expired on these accounts. Proof that you are licensed to collect debt in my state.Your licensed numbers and Registered Agent or Agent of Service.I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will consult my legal consul. If I personally don’t receive a response from you for validation of these accounts within 30 days, all references to the accounts must be deleted from all three Credit Bureaus. As they have received this letter via certified postal mail, I expect them to remove the collections from my credit reports because the debts are not valid and unless they are able to prove the debts are valid I must not have false information negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dated XX/XX/2019IXXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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:
Experian refuses to investigate fraudulent and inaccurate information on my credit report. They are in violation of the FCRA. I have tried to dispute these items online to no avail.

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 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dated XX/XX/2019 XXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dated XX/XX/2019 XXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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:
XXXX refuses to investigate fraudulent and inaccurate information on my credit report. They are in violation of the FCRA. I have tried to dispute these items online to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
I spoke with a representative on XX/XX/2019 about this collection on my credit report, and I explain to her this was not my gas bill with XXXX XXXX XXXX XXXX I sent a Certified letter on XX/XX/2019 to First Collection Services asking for Validation and documention proving this was my account. I HAVE NOT RECEIVED ANY RESPONSE FROM FIRST COLLECTION SERVICE. I'm attaching a copy of my ID with my past and correct residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an automatically renewable personal cd on XX/XX/2008 with Wachovia Bank.  When I went to cash it in earlier this year, Wells Fargo had purchased Wachovia.  Wells Fargo stated that they do not keep records for more than 7 years, and the original CD certificate is not proof that the funds were not dispersed.  They are refusing to pay me my money that I entrusted to them because of their record keeping.

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 2019-08-19 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: NV

Complaint narrative:
transunion web site is not updating my credit reports.what there is,is that the web site is not functiong.

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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Kept calling multiple times a day. Attempting to make debt look more recent than it is. Forgive debt for all harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue:  Chase mishandling my XX/XX/2019dispute for $XXXX and rebilling me twice instead of refunding.Chase has been contacted  XX/XX/2019Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, $XXXX, Newbalance, transaction. The Chase dispute representative was advised that there was another transaction from New Balance of $XXXX   from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction $XXXX and $XXXX. Chase informed me that they would be issuing a permanent credit of $XXXX for the XX/XX/2019 transaction.On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued; however, this calculation is incorrect. The dispute representative cited that two credits were issued; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019transaction returns.Chase rebilled my account two additional times for ($XXXX; $XXXX). I am disputing these amounts as they should not have been billed to my account.  A refund of $XXXX would resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was traveling and missed the payment, but made the payment a day late. It posted two days late (see attached statement). I called and asked for BofA to waive the late fee, but they said no. Instead, I was charged a late fee and interest! I asked to speak to a supervisor but was told there was none available, but that one would call later. Of course, that never happened.

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 2019-08-19 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:
Experian is reporting fraudulent and inaccurate information on my credit report and are in violation of the FCRA. I have tried to dispute this on numerous occasions to no avail.

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
They gave me a payment schedule n the amounts in writing prior to me signing up with them! I told them I get my SSDI on the XXXX each month n their payment schedule reflected that! I made the 1st payment ahead of time, thinking that I set with them! They changed the dates of my first payment to the XXXXh after being very clear about my payment dates!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian recently investigated a bankruptcy that has appeared on my credit report for more then 5 years, having been provided a document from the original creditor that reported the item, as identified by Experian, XXXX XXXX third party provider. With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been provided documents from the social security administration of the only provided name identification with my social security number, Experian decided on its own to add names to my file without factual verification. In addition due to the unsecurity of the credit reporting system of Experian during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019, Experian has allowed some person or entities to run my credit, access my credit, or gain access illegally without permissible purpose over 65 times, when addressed with Experian their tag line is with permissible purpose, but having been unable to provide a credit application signed to give such access. In fact having contacted each of the entity, no credit application of signature available, each indicated that such was performed by phone or by the internet, without identifying verification. Experian is operating a lying dispute process, and a credit reporting company that allows access, without verification of its vendors.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2015 Capital One reported a late payment to the 3 credit bureau regarding my credit card account. I called Capital one and told them I moved from the previous address and never received the statement and asked if they would please remove the late payment from my credit file. Capital one ignored my request and this late payment has been hurting my account ever since. I have unfortunately been denied credit for a car, house and education loans because my credit reflects a not so desirable payment history due to the reporting from Capital one.  I have faithful been with this bank for 4 years and I would love to continue to be a client if they would correct the information they have reported to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have been late with payments a few times but am current with my account. I paid Ditech on XX/XX/19 $XXXX. The funds have been taken out of my bank account but like so many other times never posted for days sometimes weeks. Ditech is stating on my credit report as of today that my account is 47 days past due and still not reflecting my last payment was XX/XX/XXXX Ditech has reported that my last payment was made on XX/XX/XXXX. This keeps happening and I am trying to refinance. I just learned Ditech has been submitting late payment notifications on my credit report, which is not allowing me to refinance.  I am not paying my XXXX payment until Ditech removes the 60 day past due notification from XX/XX/XXXX and both the 30 day past due notifications from XX/XX/XXXX and XX/XX/XXXX. They are reporting false information and I want ALL past due notifications removed. It is affecting my credit score and the ability for me to refinance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I downloaded the certified letter that I sent to CBNA/Home Depot which explains in detail what I'm disputing. Briefly, I bought ~$XXXX  worth of items from XXXX XXXX in XX/XX/XXXX and used my CBNA/HD card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called CBNA/HD customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by CBNA, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by CBNA.  I sent a certified letter to CBNA explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, CBNA, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at CBNA to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

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 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX  to my daughter. Unfortunately I experienced XXXX after the XXXX  which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems bought old XXXX  account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have purchased a refrigerator and a gift card from XXXX on XX/XX/19. The listing said that I can either pay $XXXX for a refrigerator  or pay $XXXX and receive a gift card for $XXXX. I did not receive a gift card from XXXX. I did dispute it with the credit card who stated that they cannot help me, because the refrigerator was delivered (smaller part of the package I have purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2019 and received the results dated XX/XX/2019 Report Number XXXX and accounts listed below were deleted.  The accounts were placed back and I was not ever notified in writing per FCRA which does not meet ethical business practices.All deleted from report number XXXX Dated XX/XX/2019XXXX Acct XXXX- Deleted XX/XX/19XXXX XXXX XXXX XXXX-XXXX-Deleted XX/XX/19XXXX XXXX XXXX- Deleted XX/XX/19The above referenced accounts are listed on my Experian report XX/XX/19 report XXXX for XX/XX/19 and should not be there.  I keep great records but unfortunately overlooked this wrong business practice months later.

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 2019-08-19 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: MD

Complaint narrative:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items 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