vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC
State: TX

Complaint narrative:
Number XX/XX/XXXX Date Generated General Account Info Account Name GO FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Repossession. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX XXXX XXXX   {$0.00} Original Balance {$12000.00} Highest Balance {$0.00} Terms 72 Months On Record UntilXXXX  XXXX I spoke with this company numerous of times about hardship before they basically rejected my payments they sent me letters constantly called me and talk with me and i communicated with them i even sent them my XXXX papers and my laid- off papers explaining to them they can give me another week i can have my payments caught up even the week before they came pick up the car they had my debt card numbers and my checking account numbers i had set up numerous of payments arrangement made arrangements with customers reps and they still sent the towing repo man out to pick my car up they told me they didnt want ant money from me unless i had the XXXX for the car in full on my old phone that got destroy. I recorded the conversation with the lady that told me i can pay half and they will give me time next thing i know the repo man was knocking on my door coming to my job i was leaving the doctors appointment getting my check up from whre i had XXXX and i even explain to him showed him that i had the money to get caught up on my payments and he said well please called them and try to work something out i want take the car this time the next day after speaking with again trying to work something out they wanted me to come up with XXXX in 24 hours thats the only way i was able to keep the car and then i try reaching out to this company they tell me sorry its under new management they dont see my account but still reporting it to the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Checking my credit report XX/XX/2018 with all 3X Credit Bureau 's, I overcame a account reporting a balance {$900.00} placed for collections, I've told them i have knowledge of this debt, Collectors harass me consistently while living my day to day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to have Equifax validate a account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Serveral letters requesting this information was delivered and received by Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Equifax to provide this information in the court of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
{$360.00} Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified as accurate '' without providing proof of debt ; signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX my card and money was comprised. In the total amount of {$330.00}. I contacted Money Network in XX/XX/XXXX and reported this matter immediately. Which they indeed closed out the debit card, mailed out a new card which I received and they also stated they will send a dispute form for the transaction amount listed above. After waiting a few weeks I called back in reference to not yet receiving the forms and requested for the forms to be recent out again via mail. After finally receiving both forms a week apart I mailed the first dispute form back via mail and then a week later fax the second dispute form and I was informed a day later after faxing it, that it was received and will take 2-3 days for a provisional credit. Today XX/XX/XXXX makes 3 days and after calling them today. I was told that my account was notated, stating my claim was denied due to inconsistent conflict of information. After researching dozens of complaints from Money Network. This is the claim result that is used/written to deny all claims. I am very unsatisfied with the results as I am a victim and also the length of waisted time this took to only be denied of my hard earned money, which is direct deposited from my employer. This was incident that was not at all my fault and my PIN number and card was compromised. I am requesting for a provisional credit in the amount of my dispute, which is {$330.00} immediately, so I can continue to do business with this company. 

Transaction {$220.00}, Transaction {$100.00}, Fee {$2.00}, Fee {$2.00}

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I call transunion a few weeks ago and they told me they were going to have XXXX XXXX deleted from my account because i have no knowledge of it. I disputed the account and all they did was update the information which is making my Credit worse. I had to put a freeze on my consumer report because theres been alot of fraud going on and i am fearful that some has mistaken me for someone else.

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 2019-05-31 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 have made several attempts to have Experian validate a account theyre reporting on my credit file from XXXX XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Experian has taken my originals letters I have made it very clear that I do not consent to e-Oscar or any other means of automated verification. Serveral letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law.

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 2019-05-31 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX  uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they  cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
XXXX XXXX  credit card posted 2 debts on my XXXX, XXXX, and XXXX credit reports. I asked them to verify this information from XXXX and they could not. I was notified in a few months of its removal. It is now showing it is from Portfolio Recovery opened XXXX XXXX in the amount of {$480.00}. I notified them that this was removed and that it should not be on my credit report but I have not heard any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

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 2019-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All XXXX credit bureaus were reporting XXXX different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: FL

Complaint narrative:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

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 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX &  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I need my credit cards info

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've sent dispute to the credit agencies and the lender which I do not recognize.

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 2019-05-31 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: NJ

Complaint narrative:
I've sent dispute to the credit agencies and the lender which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with XXXX balance. 

Respectfully, XXXX XXXX XXXX____________________________________XXXX XXXX 2019

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX 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 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My bill due date with America express was XX/XX/XXXX I paid it on XX/XX/XXXX the total amount due of {$110.00} on the new month of XXXX I paid {$400.00} on XX/XX/XXXX. American express did not count this towards my XXXX bill and now has charged me a {$38.00} stating my XXXX payment didnt count for XXXX. Requested reversal of late fe and was declined the agent wouldent identified them self all in screen shot of chat.

Company response to consumer: Closed with explanation