vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Received collections letter from Revenue Enterprises regarding alleged medical debt, debt not mine has not been substantiated or verified despite attempts to get this debt verified, substantiated etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I did an instant transfer from my Paypal account to my checking account in the amount of {$140.00} on XX/XX/2019 at XXXX XXXX CST. PayPal assessed a 1 % ( {$1.00} ) out of the {$140.00} transfer, so the actual amount going to my local bank account was {$130.00}. I received an email from PayPal at XXXX XXXX CST on XX/XX/2019 staying the below : - - - - - - - - - You transferred money to your bank You transferred {$130.00} USD to your XXXX XXXX, XXXX. You used the Instant Transfer option, so the money should be in your bank account and available now. 
Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$130.00} USD Fee {$1.00} USD - - - - - - - - - It is now XXXX XXXX CST on XX/XX/2019 and the money has not hit my bank account. I have spoken to banks transfer department and have been advised there is not a pending payment on my account nor is there anything blocking it from coming to my account. 

I have spoken with XXXX, a manager, at PayPal and he advised me that this is going to take 3-5 days and that this is a federally regulated. PayPal charged a 1 % fee for a service that has not been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This isnt my credit card I dont have a card with them, but its showing up on my credit, I would like it taken off.Citicards CBNA 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 2019-06-26 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: FL

Complaint narrative:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: FL

Complaint narrative:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from 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 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: WV

Complaint narrative:
Enhanced Recovery Co L- disputed this company 2 years ago as a result of fraudulent activity. Debt item was removed as a result. They have re-inserted the debt unto my credit report and have re-aged the debt stating it is NEW. No previous attempts have been made to contact me neither by phone or letter advising me of this unlawful debt neither.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


This is an updated version of the FTC theft report, as I have found a new account that is fraudulent and was not opened by me. XXXX XXXX  {$3700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 

Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 

Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means. 

Our intention is not to threat you, it is only an effort from outside to settle this case outside the court. 


Come back to us ASAP, as the case in hand is time sensitive. 


Your Sincerely, XXXX XXXX Sr. Executive Consolidation Dept. 
ACE CASH EXPRESS _______________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
on XXXX my cc was billed for 2 separate transactions with XXXX. one for XXXX and another for XXXX we notified XX/XX/XXXX to not charge my card as my employer would be paying for this joint advertising. it was to late XX/XX/XXXX charged my card. my company sent a ck for the XXXX account to our XXXX XXXX partner for our half of the advertisement. XXXX then sent a ck for the full amount to XXXX, their half and they had our half from receipt of our ck sent to them. since my cc was already charged i called chase XXXX XX/XX/XXXX to reverse the charges. they reversed the XXXX but they did not reverse the XXXX and i cant understand why as they have not communicated that to me. i need this XXXX reversed. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


This is an updated version of the FTC theft report, as I have found a new account that is fraudulent and was not opened by me. XXXX XXXX {$3700.00}.

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 2019-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CO

Complaint narrative:
I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX  XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX.. I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I received letter shipped by standard mail, dated XX/XX/2019. Letter is from Hyat, Hyat and Landau,  XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to XXXX XXXX, XXXX. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : Hyat, Hyat & Landau, P.L. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl 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 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
On XX/XX/2019I received a {$500.00} loan from National Small Loan. I made my first payment on XX/XX/19for {$73.00} and have made weekly payments for that same amount since then. As of today I have paid National Small Loan {$1200.00}. Upon checking my payoff amount it showed that I owe {$500.00} which is more than my loan was even for. Apparently, every penny I have paid so far has went to the interest and not to the principal which is not how loans should work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CO

Complaint narrative:
I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM

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 2019-06-26 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: CO

Complaint narrative:
I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM

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 2019-06-26 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: Account Recovery Specialists, Inc.
State: TX

Complaint narrative:
I initially contacted ARSI regarding some medical bills that were turned over to them that needed to have charity applied to them. Despite the dispute that charity is supposed to pay, ARSI took no steps as required of them by both the Fair Debt and Collection Practices Act as well as the Fair Credit Reporting Act. 

Further, I contacted ARSI on XX/XX/2019 and spoke with a representative. It was at that point that I advised ARSI that I no longer owe the bills as my husband is XXXX  XXXX  and the Soldiers and Sailors Act would prevent suit from being filed on these accounts as well as prevent the accounts from being reported to my credit bureau. 

Despite my calls to ARSIs agents. ARSI has taken no steps to comply with the law or provide an answer to the above disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Holdings
State: FL

Complaint narrative:
On XX/XX/19 my sister ( on business in California, from another state ) texted me to inform me she received 5 phone calls from Premier Holdings. I had not seen or recognized the number on my caller ID. She sent me the number. I called. They transference me to a XXXX XXXX XXXX informed me of an very old credit card debt that I am not aware of. I asked her why she called my sister so many times and informed her I have no outstanding debt within limitations of Florida law. She informed me she could call the XXXX if she chooses. I find this harassment of both myself, my sister and my religious beliefs. I asked for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

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 2019-06-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-06-26 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: CA

Complaint narrative:
I am a victim of identity theft and my 3 credit reporting agencies removed some incorrect information but not all and some were put back on my credit report after they were previously removed.

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