vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 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:
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX please fix my account XXXX dont know what else to do.

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 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.

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 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
After hours pediatrics has refused to remove a debt that has been paid and satisfied by the insurance companies. 

My son was seen at an urgent care and at the time had 2 insurance companies. XXXX was primary and paid according to contract. The 2nd company was XXXX XXXX and paid to contract leaving no patient responsibility. According to the doctors office, XXXX paid incorrectly and are now billing me. The issue is a contractual issue and although Ive provided the eobs from the company verifying there isnt any patient responsibility this company has decided to do what they want to do. 

reference number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition. 
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining  payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle. 
Eight months later I received a bill from Toyota Financial for excess  miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice. 
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. 

The Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...

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 2017-10-29 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: NC

Complaint narrative:
credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.

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 2017-10-29 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 disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 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:
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX.  They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CENTRAL FINANCIAL CONTROL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from Chase stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 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 disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

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 2017-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.
The XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.

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 2017-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
X/XX/2017 My husband and I requested our credit reports and to have our credit blocked due to the Equifax breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for Equifax and XXXX so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on X/XX/2017 but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Syndicated Office Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

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 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. 

I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX.  However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). 

Finally, I started receiving calls and mail from RGS ( a  collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX (  XXXX ), and it was declined as well. 

I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. 

Requesting your review and assistance with this matter, my cell is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: NV

Complaint narrative:
I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

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 2017-10-29 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: NV

Complaint narrative:
I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

Company response to consumer: Closed with explanation