vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: TX

Complaint narrative:
XXXX REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND XXXX REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT 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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: DE

Complaint narrative:
XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Collection Agency ( TRIDENT ASSET MANAGEMENT ) Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX Amount alleged owed {$2100.00} ( XXXX ) XXXX Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( TRIDENT ASSET MANAGEMENT ) And ( XXXX ) Credit Bureau about four-six times. I  have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. 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 them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( XXXX  ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One I applied for a credit card online and it has affected my credit scores. I was not told this in the disclosure and never told that this was going to be a hard pull vs a soft pull. No transparency at all. I asked for a deletion and they told me they weren't credit counselors and nothing I could do about it! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX NCS contacted a family member to discuss a debt supposedly owed by me. I have not been contacted directly by NCS to discuss the details of this supposed debt. The collector took an opportunity to share the nature of the debt, lease terms and dates, amount due and even asked for a payment from my family member. The family member they contacted was listed on the lease - AS A RESIDENT ONLY - and the information that was shared with him was then shared with the rest of my family who are now all aware of the situation and have much more detail than I. I tried to call NCS on XX/XX/19to discuss, but was only able to leave a voicemail in a Manager 's   mailbox. That call has not yet been returned. I sent an email to the company on XX/XX/XXXX to advise that I believe they are in violation of FDCPA. They replied back on XX/XX/XXXX that they are researching the issue. I don't believe much time is needed for review, since they should have a copy of the lease before they started dialing. I'm not even sure how they got my family member 's telephone number because he does not have the same number as when we lived at the property for which NCS is trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( XXXX XXXX XXXX ) And ( Experian ) Credit Bureau about four-six times. I have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. 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 them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( Experian ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX Bless.

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 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has 7 hard inquiries on out Transunion, XXXX, and XXXX  credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

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 2019-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has 7 hard inquiries on out XXXX, Experiean, and XXXX credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

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 2019-02-27 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: GA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.

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 2019-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I originally mailed a letter to TransUnion on XX/XX/XXXX to dispute negative information on my report by the US Bankruptcy Court regarding two bankruptcies listed on my report ( this letter is attached to this complaint for your review ) .The letter was signed for on XX/XX/XXXX. TransUnion 's deadline to respond to my dispute was XX/XX/XXXX. I had not heard from TransUnion by the deadline date of XX/XX/XXXX, so I sent a second dispute letter on XX/XX/XXXX, which was signed for on XX/XX/XXXX ( this letter is attached to this complaint for your review ). During this time I received a response letter from TransUnion on XX/XX/XXXX dated XX/XX/XXXX verifying the entry being reported under the U.S. Bankruptcy Court, which is way past the response deadline of XX/XX/XXXX ( this letter is attached to this complaint for your review ). TransUnion to this date has not responded to my second dispute letter dated XX/XX/XXXX. The deadline to have respond to my second dispute letter was XX/XX/XXXX. As you can see TransUnion is unwilling to properly investigate my dispute within a timely manner and has chosen altogether not to respond to my second letter I sent to them. They are in complete violation of the FCRA rules and must delete the inaccurate reporting of the two bankruptcies outlined in my credit report asap.

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 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
In XX/XX/2017 I had emergency surgery to have my XXXX   XXXX. I had applied for XXXX XXXX, because I haven't received my health insurance as yet. But in XX/XX/2017 I received the insurance and they covered all my expenses for the surgery, Which includes my Surgeon fees, scans X-Rays, Hospital Stay Medication and the fee 's C-TECH COLLECTION ( a health care collection agency ) is billing me for. I have contacted them explaining the situation, but no one have gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 funds were electronically sent to PayPal for the purpose of being available for a secure purchase under a promotional opportunity from PayPal offering 24 months on purchases with no interest which has an upcoming expiration date of XX/XX/2019. At the time the deposits were made there was {$3000.00} available to use. The purchase was for {$4000.00}. A request for an increased credit facility from PayPal was declined.

The transactions in this complaint have all been transactions in USD from US FDIC insured banks to PayPal between US based companies.

PayPal will not respond directly to a request for increasing the credit line. Their process is " try the purchase and if it works you're all set. '' The issues here are : 1. My FICO credit score is XXXX and I have never been late with PayPal in the numerous years I have done business.

2. My income is {$270000.00} annually.

3. No reason was provided for the refusal of increasing the credit line.

4. The monies paid have been deducted from my bank account on XX/XX/2019 and reflect " processing ''. The funds are not available. This is the same bank account that payments are made from for numerous years.

5. The funds are neither in my bank account to use for the purchase nor are they available for the purchase in PayPal.

6. The delay causes harm in denying the availability of the promotional offer.

The representatives at PayPal will not do anything to investigate, expedite or otherwise relieve the tension between the availability of funds and the conclusion of the promotional program. This is a service, finance and technology company. The restriction of the availability of funds is avoidable and inconsistent with generally acceptable policies by other finance companies.

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 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
On XX/XX/19 I applied for a loan in the amount of XXXX. I was approved and fully intended to payback the loan. I however, just lost my job and was told about a health issue and to top it all off the bank account I did have was closed. I am to embarrassed to talk to the company as it has really made me distraught. I have in the past worked with them and was able to pay off the loan quickly, I won't apply for another loan with them since I am unable to pay this one back. I am due to pay back my loan XX/XX/19 for the amount of XXXX and will not be able to pay this payment or the next three for the same amount on the same dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean. 
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company. 
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX   respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing. 
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
There is a charge off for {$200.00} on my credit report from Miramed Revenue Group. I have never been contacted by this group. This is not a valid debt and I think they are running a scam. I had hospital bills that have all been paid. I believe they have stolen personal information about me, and have filed this collection as a way to intimidate me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I filed a complaint with the CFPB regarding Credit Corp Solutions and their calling me at work after I had asked them not to, and their illegal threaten of legal action. In their response, they agreed to settle for {$1200.00}. Unfortunately, I had to put that money elsewhere, and I was also afraid to give them access to my bank account information due to the fact they had violated rules earlier and I could not trust them to keep their word. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  XXXX, dated XX/XX/XXXX stating they represented Credit Corp Solutions in the matter of a debt with XXXX XXXX in the amount of {$2400.00}. On the same day, XX/XX/XXXX, I contacted XXXX XXXX  XXXX through their website and requested validation of the debt. 

I did not receive any validation or verification from XXXX XXXX  XXXX, and therefore had no reason to believe they legitimately could collect this debt. 

On XX/XX/XXXX I was made aware that a complaint had been filed against me in this matter in my local court, despite the fact that I had requested validation from XXXX XXXX XXXX. Now I am being sued for this debt by a company, Credit Corp Solutions, who I had previously agreed to pay and had made an agreement with because they broke the rules and now their attorney has as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management
State: VA

Complaint narrative:
Repeatedly calls daily, will sometimes leave a message. Has left one message, the voicemail says ... Good afternoon this message is for XXXX XXXX, my name is XXXX, I'm in the claims department here for Pendleton Capital, if you could please give me a call back at XXXX ext XXXX, when calling back please refer to claim number XXXX. We have a claim here that we need to speak with either you yourself or your legal consult to come up with some type of resolution. If I don't get a response back I will have to put a recommendation to proceed and forward it out. Claim number is XXXX and I can be reached at phone number XXXX extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my 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 2019-02-27 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: GA

Complaint narrative:
XXXX XXXXL AS and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.

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