vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION
State: HI

Complaint narrative:
There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. 

XX/XX/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 2018-10-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is a scammer company that will charge from your credit cards without any permission from you. I paid {$4.00} one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged {$14.00} on my credit card for the paid membership monthly fee that I didnt sign up for. This is a straight up robbery!

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 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: CA

Complaint narrative:
I got a phone call today at XXXX XXXX and they asked my name and my 4 last digits of my ssn. 
I asked who is calling and they refused tell me.

They said they are collector agent from a XXXX  bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
This is a complaint against Equifax, Equifax Internal Department, this complaint I am making specific to a worker in this department that I respect I will not say her name, but I have such bad luck that this lady is the one who answers my phone and tells me some things that are outside the federal law of fair credit. I am a victim of identity theft and to the lady I tell her to dispute the accounts for fraud, which has been done many times, but she does not have the power or work in the senate or in the court where laws are made to tell me that she does not intend to dispute anything else, it is more she tells me those accounts are her own belongs to her because there are evidences that are mine, I want to say something, when one is robbed of the identity the person who does it does so perfect that everything indicates that it is your account, I know that that to you. It does not matter to you because it is not your problem but it is mine and very important, because you have no idea what I suffer from this situation, so I ask prudently, but you will not intimidate me by telling me that and I will not be forced just because you say that I have to accept these accounts that do not belong to me. If I have to dispute 100 times, I will, if I have to go with a claim to Equifax I will. 

Below are the accounts that I will dispute ; I will also upload the letters, the FTC report and my documents. 

1- XXXX XXXX # XXXX  2-XXXX XXXX # XXXX  3-XXXX XXXX # XXXX  4-XXXX XXXX XXXX # XXXX 5- XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Re : Care Credit. I had gone to a medical spa for XXXX treatments  ; I was told that I would be given a discount - 4 treatments and during my 2nd visit the 5th treatment would be free. The 1st treatment was a  nightmare - painful. After 3 days ( the time limit in Oregon to cancel such services from a spa ) I emailed to ( 1 ) cancel 2nd appointment and ( 2 ) voice my concerns. No response ; no response for 3 days. I finally called and verbally cancelled. The next day I got many texts from the anesthetician demanding that I be seen and following treatment at their spa. I was concerned that it would be considered the '2nd treatment ' and I would be charged. I have since seen another medical spa -- treatments are not painful ; a full {$600.00} less than the first spa. 
Synchrony Bank has 'investigated ' and is backing up their merchant, saying there is nothing they can do but I AM BEING CHARGED FOR SERVICES THAT I LAWFULLY CANCELLED AND HAVE NOT RECEIVED. I feel that the merchant and the Bank has being unjustly enriched.

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 monetary relief
Consumer complaint received 2018-10-09 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: NV

Complaint narrative:
I HAVE LIVED IN XXXX XXXX NEVADA SINCE XX/XX/XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XX/XX/XXXX, OR XX/XX/XXXX FROM  XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX XXXX CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XX/XX/XXXX.PLEASE REMOVE FROM MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: NV

Complaint narrative:
I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE

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 2018-10-09 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: NV

Complaint narrative:
I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE

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 2018-10-09 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX  and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA

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 2018-10-09 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: TX

Complaint narrative:
I am a victim of identity theft. The accountsXXXX.and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2016 I opened a {$500.00} credit line with XXXX and I failed to make one payment on time out of 21 payments and they dinged my credit. Ive been in good standing with them ever since and its still on my credit report! I have just gotten married and am looking to purchase a home soon and I need help getting this off my credit! This is affecting my credit and is making it harder for me to do what I need to do. Can you please help get this off my credit history!?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I paid a collection off and they are still reporting this on my credit instead of removing it. I have filed dispute after dispute and nothing is being done. Portfolio Recovery is one of the XXXX  companies on the planet! I want this paid account off my credit as it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery states that I owe them {$1100.00} acct number XXXX on XX/XX/18. I do not owe this debt and please have them remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: NV

Complaint narrative:
I have disputed the late payment status reported on the account XXXX  with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

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 2018-10-09 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: Siggi LLC
State: VA

Complaint narrative:
After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
united revenu corp states that i owe them {$1200.00} dated XX/XX/18 acct number XXXX. I have no knowledge of this account, please have them remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Took out a {$300.00} loan at XXXX XXXX XXXX, IN. 3 months later I had a discharged bankruptcy. Loan is still showing on Indiana small loan data base. I Contacted company and their collection agency several times. Collection agency said they would take care of it and have it removed. She never did. She will not return calls or answer my call. All I want is the loan removed from the Indiana small loan data base, because it was discharged in a bankruptcy. 

I do not have my loan documents, because this is over 1 year old. Bankruptcy was discharged nearly 1 year ago also. XXXX XXXX has my loan information, because I have been in contact with them recently. As of XX/XX/2018 loan was still not removed from IN small loan database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: VA

Complaint narrative:
After multiple attempts through the credit bureaus ( Transunion and XXXX ) and through the company XXXX XXXX I have been unable to come up with a resolution to my issue. XXXX XXXX is reporting inaccurate information on my credit files ( Transunion and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.

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 2018-10-09 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: Pioneer Credit Company, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY are all listed as the creditors of an account on my credit reports. Clearly, there are errors with this reporting due to the following reasons : A. All entries shows that an account was opened on XX/XX/2013, however ; these entries refer to different account numbers ( Account # XXXX ; XXXX, XXXX ) B. How can this one account have  DIFFERENT BALANCES? 

C. How can this one account have DIFFERENT DATE OF LAST PAYMENT?

D. How can this one account have DIFFERENT DATE OF ACCOUNT CLOSED? 

E. How can this one account have DIFFERENT PAYMENT HISTORY? 


I am asking for assistance from the CFPB because : # 1, I know for a fact that I DID NOT open multiple accounts on XX/XX/2013. 

# 2, I requested validation of these debts. I sent a certified letter to all three addresses listed on my reports. I have proof that all letters were received. I DID NOT get back any validations. The only correspondence that I received back was a letter stating that I applied for a loan on XX/XX/2013, but the account is now sold and I should direct all questions to the new owners for verifications. My issue and point are that the items on my credit report which are in questions have to do with XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY and the fact that they are reporting incorrect information on me and fail to validate any information as required by the FCRA.

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 2018-10-09 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: MD

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. 


" I have disputed this charge off on XXXX XXXX for months. XXXX  and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of  the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Over the course of a number of years I had overdraft protection on my Chase checking account tied to my Chase freedom credit card. 

On multiple occasions my checking account was struck with overdraft fees that were improper. These fees were then covered by my open line of credit. Chase then subsequently reversed the overdraft fees in my checking account, but never properly readjusted my credit card to reflect these changes. I have subsequently been charged monthly interest for years for improper ornotjeteise trfrtrdsrd overdraft protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the late payments on ATTORNEY GENERAL-XXXX, XXXX XXXX XXXX accounts for months. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: GA

Complaint narrative:
I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX account for months. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.

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 2018-10-09 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-09 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation