vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 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: GA

Complaint narrative:
My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.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 non-monetary relief
Consumer complaint received 2018-03-10 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: FL

Complaint narrative:
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 2018-03-10 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: FL

Complaint narrative:
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
Receiveables Performance Management has reported to XXXX and XXXX  credit bureaus that I currently have a remaining debt of {$340.00} as of XX/XX/XXXX which is FALSE REPORTING and a direct violation of Fair Debt Collection Practices Act ( FDCPA ). By law they are required to report accurate information! This account is settled in full therefore, no balance should be reflecting and the account must be closed according to FEDERAL LAW!!!!

Receivables Performance Management is negatively effecting my credit for the month of XXXX  for a debt settled in full on XX/XX/XXXX in the amount of {$410.00}. I am demanding both credit agencies info to be corrected immediately and a letter stating the updates have been made meaning there should be nothing negatively reported for XX/XX/XXXX, in addition to the letter promised by XXXX XXXX on XX/XX/XXXX stating the account has been closed & settled in full. I have been going back and fourth with this company since XX/XX/XXXX enough is enough I'm tired of playing games with Receivables Performance Management

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 2018-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
am disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Also a collection account XXXX XXXX is a fraudulent account and I have submitted the proper paperwork and will resubmit it again via by mail. Which clearly show this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: WV

Complaint narrative:
In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.

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 2018-03-10 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: MS

Complaint narrative:
I am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

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 2018-03-10 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: MS

Complaint narrative:
I am sending this complaint to all three Credit Bureaus ( XXXX, Experian, and XXXX  ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XXXX XXXX XXXX ( XXXX  ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XXXX   complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX   money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been battling with Synchrony, specifically with my Walmart Credit Card, as to promises for interest being credited back to me, as promised by their reps. I had a rep over a year ago, explain to me that my promotional balances are not paid off first unless I check some spot online, which is not only difficult to find, but also never told to me in the set-up of the account. I brought this to the attention of the reps at Synchrony for my Walmart card and since my card has been open since going back to 2014, they offered the interest credits and I took them. Now, every single time I ask for them to fulfill these promises, I get some cookie cutter responses, like I am not even a person or I matter. I just went online to get a copy of their responses recently, and they " MAGICALLY '' disappeared from the records, after I told a rep I was filing this with you. I am sick of these promises being made and them playing these games! I had the proof to attach to this complaint, as per numerous chat room discussions as well as email contacts on the walmart credit card website, but as I stated, they magically disappeared as of today, which is less than a few hours after I told them to fix this or I am filing this complaint. How is destroying conversations considered legal and fair?

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 2018-03-10 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: PA

Complaint narrative:
TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.

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 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Last year I signed up for FREE services from Credit Karma. I was sent an email from Credit Karma saying that my credit score went down. So I logged into Credit Karma. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services?

Then 8 days later I get charged {$22.00} by XXXX. I called them and they said by checking my credit report that day on Credit Karma that signed me up for credit monitoring for {$22.00} a month.

This is ridiculous! They are taking advantage of EVERYONE. Credit Karma says they are free but they charged me {$2.00}. Then XXXX signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal!

Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.

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 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I'm contacting you about the hard inquiries that have been running on me. 

1. I have a hard inquiry by comcase on XX/XX/XXXX and XX/XX/XXXX, one day after the other. How is that possible? There should be maximum one. 

2. XXXX XXXX XXXX has done a hard inquiry on me when they told me that it will be soft inquiry on XX/XX/XXXX 3. A hard inquiry from XXXX XXXX XXXX XXXX XXXX without remembering asking for my permission. Dated, XX/XX/XXXX All the above was using Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
ONXX/XX/XXXX, DIVERSIFIED CONSULTANT INC RESPONDED TO YOUR DEPT ( CFPB. ) ON CASE # XXXX THAT THEY SENT A DELETION ORDER TO THE CREDIT REPORTING AGENCYS, THERE LETTER WAS DATED XX/XX/XXXX TO YOUR DEPT. 
AS OF XX/XX/XXXX XXXX IS STILL REPORTING THIS COLLECTION WHICH IS DAMAGING MY CREDIT. I ASK THE CONSUMER FINANCIAL PROTECTION BUREAU TO HAVE XXXX XXXX XXXX,  TO IMMEIDIATLY REMOVE THIS COLLECTION AS THERE LETTER OF XX/XX/XXXX TO YOUR DEPARTMENT STATED. 
I REQUEST THAT DIVERSIFIED CONSULTANT INC,  PROVIDE A COPY OF THE DELETION LETTER THEY STATE WAS SENT TO THE CREDIT REPORTING AGENCYS TO ME FOR RECORD FILLING. 

THE REFFERENCE ACCOUNT THAT NEEDS TO BE DELETED IS XXXX XXXX XXXX. BALANCE {$3700.00}. 

THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.

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