vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX from Portfolio Recovery was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NV

Complaint narrative:
these creditors are removed from 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 non-monetary relief
Consumer complaint received 2020-01-28 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: PA

Complaint narrative:
Experian is not investigating disputes properly and are leaving things on report without properly investigating dispute. Have disputed with them on a entry from XXXX XXXX XXXX and have not received proper investigatiin from them and they keep leaving it on report even though XXXX and themeselves are violating my rights doing so.

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 2020-01-28 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In trying to finance a new mortgage, I was asked about an item appearing on my Equifax credit report from XXXX for solar panels on a home I had previously owned. I was unaware of this item and was shocked as I check my reports frequently. 

I obtained my credit report from XXXX and it was not showing. I reached out to Equifax and they said that I was not seeing it because I was not using an Equifax product. However, when I did use that product, this item was still not on my report. 

I understood that the bureau could not provide to lenders any data that was not provided to the consumer. The agent at Equifax could see it, my lender could see it, but I could not. And, according to this agent, it was only reported by XXXX AFTER I sold the home ; we closed on XX/XX/2019 and it was first reported XX/XX/2019. 

I understand credit and was confused and angry when this popped up at the minute ; had I known about it, I could have dealt with it before starting my loan process. I can not imagine how someone buying their first home would feel. Should Equifax be able to continue this practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to the CRA disputing factual error on my credit report of which it came back verified by comenity bank / XXXX, how can this be???? how can they respond to a dispute without documentation???? The FCRA requires to be 100 % accurate to report an account so how can they be accurate with no documents to check for disputed errors. I called them and one of their employee XXXX employee # XXXX say that the account is no longer with them they also send me a letter saying the same of which I will attach as well. I demand that this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed 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 non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: VA

Complaint narrative:
I purchased a XXXX Golf R in XXXX from XXXX XXXX in XXXX, VA. I leased the car through VW Credit. At the end of my lease, I decided to purchase the car from VW Credit. Just before this, VW credit billed me for 12 Months of personal property tax on the vehicle for the 2019 year. I paid the 12 Month bill in full to VW credit. I purchased the car off of lease on XX/XX/XXXX. The property tax bill that I pre-paid was due to the County on XX/XX/XXXX. As a result of my purchase, the county notified VW credit that they were only responsible for XXXX Months of tax which they paid. The problem is that I had already paid VW credit for 12 Months. Since XXXX of XXXX, I been unable to receive ANY refund from VW credit whatsoever. Moreover, whenever I call them, they claim they can not see any payments, etc. and will have to make a request to their tax department and get back to me. They NEVER get back to me. This is theft. Their XXXX XXXX XXXX rating is a " XXXX  ''. Thats very bad for a lending institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2019 Fifth Third was contacted my mortgage company, I was changing insurance companies and XXXX also contacted them letting them know this. My new insurance agent called Fifth Third needing more information to bind the policy, they refuse to call him back and give him this information causing a small lapse in my insurance which I never found out until 5 months later by Fifth Third when they automatically put me in escrow and tripled my insurance on my home without calling me or contacting me or anyting. Unprofessional as XXXX I went to my bank on XXXX XXXX in XXXX XXXX contacted the mortgage woman they're extremely rude got nowhere got up and walked out on me. I have contacted Fifth Third mortgage company talking to XXXX XXXX the manager and I'm not getting anywhere he's going out of his way to make this case stick for them to XXXX me out of money this is not going to happen I will not pay it. I'm XXXX XXXX XXXX I do not need the last 6 months of this XXXX in my life please help me and do something about this thank you XXXX XXXX. They tried to raise my insurance from XXXX to {$1600.00} a year. And also raise my monthly house payment not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I sent a letter asking for verification of debt. It's been over 30 days and the debt hasn't been verified and remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
" Customer Support Team On Tue, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Over charge for unwanted accessories. Forced accessories that I did not agree to buy. I was told that the accessories for free for upgrading my phone. I spoke with XXXX XXXX XXXX employee who stated that I would be charged the same amount. XXXX also aged that I could not get a refund. I was never informed of all the extra charges nor did I agree to the extra charges. '' Email sent to XXXX. 

I returned to the business the following day. ( XX/XX/XXXX ). I spoke with the employees ( XXXX and XXXX ) and the district manager by phone while at the store. The manager offered an apology and stated the employee would be reprimanded. I explained to them the transaction was fraudulent. Returning all unauthorized and unwanted accessories. 

At that time No manager was in the store to fix the transaction. The manager explained that XXXX would be updated and the amount financed as well as the payment amount would change. I also disputed the charges with Capital One. 

My credit card was charged on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX when I noticed the charges. The customer service employee stated XXXX knew nothing of the changes as well as didn't have correct contact information on file sent from the XXXX store. The XXXX employee stated they would call the store and followup and address the issue. 

I contacted Capital One again on XX/XX/XXXX. The customer service employee in the disputes department stated that there was nothing they could do about the situation. 

Today XX/XX/XXXX at XXXX XXXX  when I returned home from out of state. I called to followup with XXXX and spoke with an employee who gave the name " XXXX ''. The employee stated she had no information and refused to give me her managers name or information. The employee then laughed at hung up the phone on me. I called directly back at XXXX XXXX and the employee told me to call the " XXXX '' store because the manager may be at that store. When I asked for the phone number for the XXXX store the employee told me to " XXXX  it '', then she hug up the phone. 

I called Capital one to followup as well as XXXX  today XX/XX/XXXX to followup on this complaint and fraudulent transaction. No one can provide any information at this time. I was told by XXXX that an investigation was in process. 

I have contacted my credit card company to explain that these are fraudulent and unauthorized charges and they are not listening to me nor resolving the issue. When i contacted Capital One today XX/XX/XXXX at XXXX XXXX  I was told a letter was mailed with the finding in regards to the charges. I have not received any correspondence about the charges from the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MA

Complaint narrative:
I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX,  however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in. 
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I received a personal loan from Western Finance in XXXX, Texas for {$150.00}. Their address locally is XXXX XXXX XXXX, XXXX, Texas XXXX. Phone number is XXXX. The managers name is XXXX. The district manager 's phone number is XXXX. I do not recall his name, however he did call me after me getting an employee to pass him the message and he verbally confirmed that he received the cease and desist notice. The corporate address is Western Finance XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The customer service number is ( XXXX ) XXXX. 
I made the XXXX and XXXX payments on time, however the XX/XX/XXXX payment did not get made because they closed by the time I got off work for the holiday. On XX/XX/XXXX I had just made it to work and the manager called me and left a voicemail, while checking this voicemail, she contacted my mother and my daughter not giving me enough time to finish the message and remember to call and pay. She continually harrassed them and when I did get her on the phone she stated that she had the right to call anybody she wanted to because my account was late. I then requested that no more calls be made to me or my references and sent over a cease and desist notice via fax to this company. I did not hear from them again until Monday, XX/XX/XXXX. When I finally got the lady on the phone she stated that she was going to continue to break the law and call me because I still owe a balance. I contacted the district manager and he agreed with her and stated that he received my cease and desist letter and the companies attorney advise them to keep calling me, in spite of my request to not be contacted. I also received another call on today, XX/XX/XXXX from the Western Finance company. Please help me in my attempt to make this debt collector follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Due to serious problems with PayPal in the past, I paid off the account and requested it closed. I am unable to remove my banking information from their website.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: IN

Complaint narrative:
On XX/XX/XXXX I applied for an apartment complex and was denied due to a public record associated with my social security number. I was also able to obtain the courthouse name where the alleged judgment came from. The apartment complex also told me to contact CoreLogic about this matter. I immediately called the courthouse ( Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) and asked them what credit bureaus they report to and what steps do they take to verify such information. The XXXX clerk told me that they do not and will never report public records to the credit bureau under any circumstances. Today, XX/XX/2020 I contacted CoreLogic Credo about my credit report. I spoke with a representative named XXXX. I told XXXX my concerns and that I needed to know where they obtained such information and what courthouse it came from. XXXX told me that they obtain this information from the court and I told her that is not true because they told me they never give public records information the credit reporting agencies. I told XXXX that I had been denied for an apartment by CoreLogic because of a judgment but my reports from XXXX  XXXX  and XXXX XXXX do not show a judgment. I have disputed this item and asked for validation and proof of this information attached to my social security number that CoreLogic is reporting. They have failed to provide me a copy of any viable evidence from the courthouse or the apartments in which the balance is allegedly owed named. I have previously requested their method of verification and they have not complied which is a violation of the Fair Credit Reporting act 611 ( a ) ( 7 ). Please validate this information Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 2020-01-28 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Reviewed XXXX  credit report ; Informatioin for Citizens Bank NA ( aka Citizens One Auto Finance ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XX/XX/XXXX, I submitted a dispute through XXXX. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.

Company response to consumer: Closed with explanation