vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
XX/XX/2018, I purchased a {$1000.00} espresso machine from XXXX XXXX, and several hours later cancelled the purchase. Both the purchase, and the reversed charge showed up onmy XXXX XXXX  statement. 
The problem is, XXXX XXXX  continues to show that purchase in my monthly XXXX statements, and, as of today, current accrued interest of {$100.00}. When I complained to XXXX last month, they told me, essentially, Trust us, your statement is correct,

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 2018-07-08 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: FL

Complaint narrative:
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max.  TRANSUNION 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX  XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX 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 explanation
Consumer complaint received 2018-07-08 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: FL

Complaint narrative:
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX Experian : 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 explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun Loan company representative kept coming to my house to attempt to collect on a loan that I had informed him I could not pay back. This company kept coming to my apartment and kept calling all my references after I had informed him I was not working. He would have individuals come to my house and not leave until I agreed to talk with a representative over the phone who would call me at the same time the loan was due to be paid. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX They have collection tactics that are illegal and I had no idea I could report these type of communication tactics. Please assist me in getting proper compensation for the abuse and harassment that I have been through with this company they have all information on my loan and they should have all the details recorded in their system. I was working at XXXX  when they came to my place of employment and started to present me in false light to the company I used to work for at that time. Please assist me. Thank You.

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 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had contacted capital one to try and make a payment in full on my card. They told me that they didn't accept payroll cards as a viable means of payment. My card does not have routing numbers or anything of the sort, which prevents me from paying online since I don't have a bank. Then they told me I had to send a money order to them. The last time I did that they still charges me late and it took over 20 days for that issue to be resolved. When I asked them if they were going to cover the money order charges they said they wouldn't do it. Capital one was refusing to take a valid card as payment to pay my bill. My card is accepted everywhere and anywhere but they refused to because of their policies they said. When I asked them to send me the writing in which it states that I can not use my debit card to pay my bill the manager I was speaking to denied to send me anything or tell me where it's located. I've had nothing but issues with capital one trying to get a credit increase to paying my bills. They kept refusing a valid card as payment on my account even though that's illegal to refuse a form of payment and I feel my rights as a consumer has been violated and taken advantage of even though I've had the card for over three years now and only received a XXXX dollar credit increase throughout all those years. I even have the call recorded from which they denied a valid form of payment and how they refused to pay for the additional fees of a money order l, to which they still would have charged me a late fee and I would have had to wait over 20 days like the last time for it to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-08 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: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. I contacted XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXXXXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, 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 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I visited the emergency room sometime in XXXX at XXXX   emergency and filed paperwork that I was unemployed at the time. They sold my debt to commonwealth financial systems and They have since put 3 deragatory remarks on my credit report indicating that I owe them money with a XX/XX/XXXX date, insinuating that this is a new account when in reality it is about 6 years old. The amounts are for {$870.00}, {$620.00} and {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: TX

Complaint narrative:
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is Equifax due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX. 

I have also disputed with XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018. 
I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus. 

This item XXXXXXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you Equifax has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you Equifax and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXXXXXX XXXX is indicating you Equifax are the party in this matter not reporting information accurately. 

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted. 

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency. 

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have called Wells Fargo multiple times and have spoken with customer service representatives. I would like to be able to view my banking records for the savings and checking account. If I am not able to view these services online I would love to be able to received the paper copies they are for financial disclosure. Please assist me.

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 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Transworld Systems, as  they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: MA

Complaint narrative:
This situation mirrors the other Complaint I have submitted through you on XXXX. As shown Through XXXX XXXX My Transunion reporting of my Credit Score of XXXX as excellent on XX/XX/XXXX then on XX/XX/XXXX it dropped to XXXX as fair and remains there today. 
There are no late payments and no adverse remarks posted for any reason showing why score has changed. The only article listed is that XXXX XXXX cancelled my XXXX Viza card, as they did for a multitude of card holders with XXXX XXXX, to a new card which I received and activated with the new XXXX XXXX Mastercard through XXXXXXXX XXXX. I have made several inquires and Transunion gave me no reason why the change occurred. I contacted XXXX XXXX to no avail and both XXXX XXXX and XXXXXXXX XXXX again to no avail. The change was done by XXXX XXXX and was no reflection of any negative remarks or actions on my behalf. I have had the XXXX XXXXXXXX visa for over 9 years without any late payments as the recorded by XXXX XXXX visa XXXXXXXX XXXX This action by Transunion was done for no reason and with one stroke of  the keyboard has affected my credit scores by a drop of 132 points. 
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 explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a statement dated XX/XX/2018 from Portfolio Recovery Associates asking me to settle a debt at a " savings rate '' based on my choice of payment. I have never received any notification of this matter prior to this letter. I was confused and alarmed at this statement, so I sent a certified letter back to Portfolio Recovery Associates on, XX/XX/2018. In this letter I asked for detailed verification with my signature showing contractual obligation with this company, also asking that until they can verify and provide proper documentation they should not report to credit agencies. No response was ever provided to myself after sending the letter. On XX/XX/2018 I sent a follow up certified letter to Portfolio Recovery Associates,  explaining they have failed to provide any sufficient details regarding this claimed debt. In this same letter, I again asked to provide verification for this alleged debt I owe them. Even though by not responding to my initial letter in a timely manner was a complete violation of FCRA and FDCA laws, I was offering another chance to provide my requested information to validate this is a true debt and not some money scam. I received a response from Portfolio recovery Associates dated XX/XX/2018, stating a generic " verification '' of account. These details provided are NOT detailed, such as a signed contract, detailed purchase and payment history. The details provided in this letter are details that are very easily obtained from any computer savvy individual. I waited a sufficient amount of time for this requested information and never received anything. So on XX/XX/2018, I sent a THIRD certified letter, again asking for detailed information just as before in the other TWO letters. On XX/XX/2018, I received a letter ( dated XX/XX/222018 ) from Portfolio Recovery Associates. Again this was a vague generic letter completely disregarding my previous requests for detailed information ( detailed purchase and payment history and a signed contract for alleged debt ). Then on XX/XX/2018, I received another letter from Portfolio Recovery Associates ( dated XX/XX/2018 ) stating they had previously requested more information of exactly what information I was seeking and this information was never received by them so the " investigation is being closed!!! This is complete nonsense! Every letter I have sent is very detailed as to what information I am seeking regarding this alleged debt. I feel like Portfolio Recovery Associates feel they are above following federal laws that protect consumers from this exact situation. They are playing some sort of game to confuse and scare consumers into paying money for alleged debts without providing requested/sufficient validation other than vague easily accessed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: TX

Complaint narrative:
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with Transunion XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX  XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018through XX/XX/2018. I am requesting that the item be removed because you XXXX  has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018

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