vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: AL

Complaint narrative:
XXXX is reporting a negative account on my credit file from XXXX XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

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 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX  is reporting a negative account on my credit file from XXXX XXXX/XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been a member of this credit card for over 15 years. I was assigned abroad in a third world country for over and year and just came back to see my card has been cancelled by the credit grantor for no reason. I have never had any late payments and always paid the the full card off every month until I was not able to use it for that year abroad. Now I am stuck without my main credit card. I am being treated unfairly and do not wish to have another one opened as their customer service suggested but have my original one reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Im XX/XX/2019 I noticed a hard Credit inquiry on my report. I havent applied for any type of credit in years and know this inquiry to be false. I submitted a dispute with XXXX and never heard from them. The company that did the hard inquiry posted no information on the report so I can not contact them. ( XXXX XXXX XXXX  XXXX ) I want this removed 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 explanation
Consumer complaint received 2019-06-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX  XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX  or XXXX  XXXX. I said I can do XXXX XXXX because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted XXXX  XXXX for assistance, they told me to contact the bank I use. I filed a dispute with Golden 1 credit union. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
The only time I knew Renton Collections had a debt out for me is when I seen it on my report. I was never contacted by them. I called the original creditor XXXX XXXX XXXX almost 2 years ago to find out this was a ER trip my daughter had. This trip was covered by her then and now XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was charged and billed by mistake and shouldnt have been and it was admitted by them at XXXX XXXX XXXX. They stated that it was put in their system a while ago to remove it from my credit report but I told her then it was still there. Now today it has yet to be removed as well. It is bringing down my credit score tremendously.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Declined transaction through XXXX on my chase app for {$250.00}. Transaction still went through. Contacted chase to dispute, they will not reverse payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian Dispute Results dated XX/XX/XXXX, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed 30days ago ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Date of Status date or XXXX didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done because the XXXX didn't change. XXXX date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the XXXX date didn't change/update to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status date was ( XXXX XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX I was never late, I paid on time XX/XX/XXXX, Update payment history, XXXX ( Original creditor : XXXX Hospital ) past due reported on a collection remove for violation, XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from Experian investigation still shows the Date of Status date didn't change/update from previous investigation.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR RESOURCES INC. has been attempting to collect a paid medical bill for {$390.00} since XXXX of 2017. This has been on my credit report as a collection, with the name of the hospital I was seen at. That is not only a huge HIPPA violation, but illegal to collect on medical bills that had been paid by insurance ( XXXX ). My credit reports state that it has been sent to another agency or assigned to an attorney! That is illegal! This is a medical bill paid by state insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to access my free annual credit report through transunion. I gave all my information and was forced to sign up for a transunion account. So I did and and it asked for my credit card information which I thought normal until I was charged XXXX twice and still didn't get to see my dam report or score. I was scammed out of my money and have nothing to show for it. I accessed transunion through the XXXX which stated it was free for the three credit bureaus.

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 monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: KY

Complaint narrative:
Received this letter that all personal information was breached : XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Letter was from Retrieval Masters Creditors Bureau inc. 
American Medical Collection Agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Activation Code : XXXX Personal informations such as social security numbers, phone numbers addresses and and medical records were hacked between the period of XXXX XXXX and XX/XX/2019. 
All they offered was free credit monitoring, I am not interested in credit monitoring, I already monitor my credit however I feel that I am entitled to a payment settlement and I would like to join the class action lawsuit immediately. 
You can email me at XXXX Also my wifes name was hacked under XXXX XXXX ( old name ) and under her correct Name XXXX XXXX. 
I was hacked twice, my name is XXXX XXXX. 
Both of us received two letter mine was under XXXX XXXX Hers were her under her old name XXXX XXXX and also under her current name XXXX XXXX. I dont want credit monitoring I would like a cash settlement for both of us four times, since we received four letters.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
The company is calling me repeatedly several times a day. I have asked them previously to cease contacting me. The changed telephone numbers and continue to contact me despite my request for them to cease.

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 2019-06-15 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: CITIBANK, N.A.
State: ND

Complaint narrative:
This happened in XXXX and it is now XX/XX/2019 and it seem as if this will stay on my report for 2 years. I am paying for something that was not dont by me. Macy has told me countless times they told XXXX to remove this inquiry. While XXXX have told me that they have not received anything from Macy about removing this Fraud Inquiry. I am sick and tired of these two companies failures to fix this problem. Macy knows that the application that they received was not even in my name and did not even have my social security number so why is it so hard to fix an mistake you made

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 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI

Complaint narrative:
I stopped payment on a check to a contractor for breach of contract. The contractor had cashed the check through XXXX. When the contractor couldnt cover the check, he gave XXXX my phone number and they have been calling me up to 5 times a day, harassing me about the check. I told them to stop calling me on XX/XX/2019. They have called 5 times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
PLEASE REFER TO THE ATTACHED : In XX/XX/2018, I disputed to get Equifax to remove the attached XXXX Credit Card information ( # XXXX ) from my Equifax Credit File/Report. I have also called Equifax, but get no action taken.This credit information is INACCURATE cause I have never reported a XXXX Credit Card, or any Credit Card, LOST or STOLEN ; additionally, this credit information is MISSING INFORMATION and especially have NO HISTORICAL ( PAYMENT ) DATA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have experienced recent fraudulent activity on all my accounts. During this time the city of XXXX, Ohio and surrounding cities experience a 15 tornado phenomenon that has left these places in devastation. As a result the credit union took emergency action to secure all of my accounts. One of the actions consists of a freeze. I was contacted by representative and I advised her what transpired. She continued to press for a date and time. I advised to thwart any additional fraudulent attempts this action would take some time. I advised I contacted all three major credit bureaus and my previous debit card/cards affected would be cancelled. I requested the late fees be removed. I was advised this could not take place, with no guarantees of course, until a payment has been made. Since then I have received numerous calls a day from multiple numbers. As a long standing consumer of over 10 years I find their actions uncalled for and appalling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I attempted to place a freeze on all credit reporting agency credit reports. I had no problem doing this on-line except Transunion 's website is misleading and I find i was signed up for a {$29.00} service without any clear indication I was doing this. they indicated rather than using their web site transunion.com I should have gone to XXXX. I was able to cancel the service on the first web site and a phone call got a promise to reverse the charge. I then had to go to the second web site to place a freeze on my credit reporting. I had to set up a separate user ID, password but was taken to what looked like was the EXACT same website. in all I was able to accomplish what I wanted, but as I said, they are unscrupulous in their design and establishing a service I never intended to sign up for. I believe they should at least notify me of the fact that I was signing up for a billable service and what the charges would be. Then if I click ok, it's my decision.

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