vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
I signed up for a {$500.00} payday loan which I just finished paying off. I didn't realize that the interest rate was over 700 % I made 20 payments of {$160.00} which paid back the loan but then I realized that I paid {$2700.00} in interest. 

I would like everyone to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: FL

Complaint narrative:
I never received any notice I had this dept it just showed up on my report. This was paid by the fallen and wounded soldiers fund and never should have even went into collections. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
I am getting harassed. Below are just some of the dates of the calls.. 
XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! 
The company is Action Collection XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been disputing with the company since XX/XX/2015. I also submitted a ftc report regarding this complaint on the original company with no validation of the debt. I viewed my credit reports and also contacted the other 2 bureaus and they removed/deleted with no problem. I have contacted Equifax several times. I have spoke to different reps and came out with no results. I have sent in my police report 3 times and yet they still have not sent me any information. I have asked for proof that this account is mine. I have been dealing with this going on 4 years. This is not fair to me as a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
Just got extorted for XXXX $ city revenue dept XXXX yrvold waived discharged not owed yesterday told XXXX, $ to get illegally threatening calls debtor threats pay or stay I paid write without prejudice XX/XX/XXXX towed damaged rear end then after that denied pure true accurate ledgers falsified data all the way to the fake hearing sham XXXX XXXX XXXX XXXX where XXXX partnership company liability acts partnership act violations occurred charges as result of bogus tow fees I never received by city streets n sanitation results of computer fraud tampering gross 1692 violations 806 807 violations USC prohibited false communicationcations thru mail n much n bad legal advice intentionally in fact crook judge clerk no master rule filed to practice law,721 act no court compliance much conspiring liee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: United Credit Service Inc
State: WI

Complaint narrative:
Received XXXX  care from XXXX XXXX XXXX in XXXX XXXX XXXX, WI in 2017. 

Was subject to unneeded unwanted tests that the XXXX said would be covered by XXXX Part B. 

The tests were simply ways to fraudulent charge XXXX. 

Disputed the exorbitant charges to no avail. Was referred to United Credit Services in XXXX, WI who now harass me. Requested United Credit Services remove the collection from my credit reports. No response from them. This is a very frightening organization to a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MA

Complaint narrative:
I'm not sure why i keep getting the same parrot information from the XXXX, XXXX, AND TRANSUNION that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA.

Look that the 2 cases below : XXXX vs. Transunion revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate.

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX XXXX XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX   willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''.

Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly.

These cases above explained in detail how the true verification should take place with the bureaus.

I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.

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 2018-12-13 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: MA

Complaint narrative:
I'm not sure why i keep getting the same parrot information from the EXPERIAN, XXXX, AND XXXX that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called E-Oscar to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, 357 F.3d at 431. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.

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 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have already provided XXXX with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, Transunion was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, XXXX  applied one, but as of XX/XX/13 Transunion is still allowing access to my 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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX in XXXX KY, caused me injury and refused me medical care, there denial made me unable to work and they KNEW PRIOR to sending me in that job not my job to cover someone else XXXX XXXX plant mgr and XXXX  XXXX  HR and XXXX XXXX, mqe - was told by XXXX XXXX, tick infestation in Ext 3 ( prior to XXXX XXXX XXXX ran XXXX XXXX for 15 of my working years .. no ticks in buildings ) were told NONE reported to safety guy XXXX XXXX , they willing send me in, I get tick bit in XXXX .. had to file chapter XXXX. And then CHAPTER XXXX as the refusal cost me personally, XXXX a week ... w/c been {$800.00} w medical paid ... they refused I had to sue .. and evidence they didnt fill report out until XXXX ... and I have a w/c claim * how can I get the chap XXXX and bankruptcy chapter XXXX? As my health is destroyed why is my credit? I have proof I made $ XXXX a week .. they denied me, but knew I was bit. IS THERE A LAW -or way to make the chapter XXXX XXXX XXXX denial to pay me accurately .. as why is this held against me,?? 
I have proof, I ask for medical care 2 weeks after and denied ... 
I have a court case coming against them? 
Help me get my life, credit, it can show BUT NOT AGAINST ME.. XXXX XXXX XXXX SS XXXX XXXX XXXX - also I had identy theft and need the {$4900.00} stole out of XXXX XXXX XXXX FDIC IN XXXX KY XXXX ATT. and XXXX XXXX of XXXX XXXX allowed XXXX copy see XXXX suing XXXX I had 56 credit apps False applications Fake credit scores. * federal government help me right the wrongs * discrimination as my life is ruined, my health

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, Below is a timeline of the problems I've been having with Capital One.

Brief description ~ Credit card was charged off in XX/XX/2015, which is reflected correctly on my credit report. I started and agreed to a repayment plan ( of which I've never been late on ), in XX/XX/2016, however they are still reporting me late to all three credit bureaus on the account that was charged off ... .and of which I am making a timely repayment plan on. From what I have heard, once the account is charged off they can not continue to report you late ... .especially given the fact that I haven't been late on ANY repayment plan with them.

I am currently in the process of obtaining a mortgage, and am going to lose a substantial amount of earnest money due to their lack of taking this seriously and correcting the erroneous lates being reported to the bureaus. Please help.

-XX/XX/2015 charge off -XX/XX/2016 started agreed repayment plan -XX/XX/2018 sent reporting dispute to capital one by Sobak financial -XX/XX/XXXX , letter from capital one stating there was no fraudulent reporting on account XX/XX/XXXX, contacted XXXX ( XXXX ) he understood there was incorrect report by capital one to credit agency will have letter faxed over within 24- 48 hrs stating so and send the info to credit bureau resolutions department to correct with credit bureau XX/XX/XXXX, no fax , called spoke with agent, got supervisor on phone, XXXX   direct line XXXX ext XXXX. She agreed was being reported incorrectly and would have letter faxed with correct information within 24 hrs XX/XX/XXXX called XXXX got vim left message no return call XX/XX/XXXX called XXXX got VMware left message no return call XX/XX/XXXX called spoke with supervisor XXXX ( XXXX ) ext XXXX she had letter and would fax it personally XX/XX/XXXX letter was faxed but only concerning XX/XX/2015 - XX/XX/2015, didnt address any lates being incorrectly reported every month since it was charged off in XX/XX/2015.

XX/XX/XXXX spoke with XXXX ( XXXX ) said she understood situation after I described what was being reported but she could only send it to the capital one credit bureau resolutions department, I could not talk with them or anyone higher than her and it would take 7-12 business days to be determined if they would change anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: GA

Complaint narrative:
I wrote to TransUnion and XXXX & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX sent me was Acct number XXXX which is correct, .XXXX shows on my credit report Acct # XXXX and TransUnion shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close TransUnion has it marked as bad debt but nothing under payment history.

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe Chase Bank my account has been overcharged especially since XX/XX/2018

Company response to consumer: Closed with explanation