vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
I requested via dispute to have two fraudulent accounts removed from my credit report. I submitted all the required information per FCRA 605B. Request was submitted to Equifax on XX/XX/XXXX, via online dispute and corresponding information was faxed per the company 's request as well as uploaded to the dispute. I called the company on XX/XX/XXXX at XXXX and spoke with XXXX, who told me the request would take 30 days to process and they received my request from the mailing department where I faxed it to on XX/XX/XXXX. I advised XXXX that by Federal Law, information regarding identity theft and fraud accounts should be blocked, per FCRA 605B within 4 business days of receipt of the following information : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I provided Equifax the following on XX/XX/XXXX 1. ) Appropriate proof of identity attached, drivers license and social security card. 
2. ) Copy of identity theft report from law enforcement agency which states which accounts are a result of identity theft. 
3. ) This letter which identifies which information should be blocked 4. ) Attached notarized statement of fact that this information is not related to any transaction by me. 

It is over 20 days later and this information still appears on my credit report for XXXX XXXX and XXXX, although other credit reporting agencies has already removed the said information. XXXX asserted that the process within Equifax takes 30 days. I continued to ask why they were omitting the law, and setting their own timeframes and she kept reiterating the 30day timeframe and had no answer as to why they were not removing the information, although all the correct information had been received. At this time Equifax is in violation of FCRA and Federal Law. 

Please note, in this phonecall Equifax admitted to having all the information needed, however will still process within their timeframe and not the timeframe determined by federal law. I suggest pulling this phone call for record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I found this company looking into my credit report and when I asked they said I owed XXXX I have never had a XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2018 I received a phone call from XXXX, there was an automated voice that said to speak to someone about getting 9 % off credit card balance press a number. I pressed that number to speak to someone to cancel my credit card. A live person spoke to me and said I owed {$1000.00} on my card, I said I do not owe any money on my card and asked if they were with Chase bank, he said he was, I asked for his name he said " XXXX XXXX '' and then he started to swear at me vulgar things so I hung up. I then called Chase bank and reported it to them, they said the person who called me is not a representative of Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
I received a letter from Distressed Asset Portfolio III , LLC on XX/XX/2018 stating that I owe them a debt that they purchased and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC.
State: NC

Complaint narrative:
I was sent a bill by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for services rendered on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX centers billing department to dispute the bill. I was given dispute # XXXX from the billing department and was told I should hear back from them via phone. I provided my phone number and XXXX XXXX XXXX XXXX XXXX had the correct mailing address at the time. 

On XX/XX/XXXX I received a notification from a debt collector regarding the above debt in the amount of {$920.00}. I had not received any further communication about the dispute that i filed and no written communication related to the dispute i filed. XXXX XXXX XXXX   stated i owed the amount on file and if i disputed the information i would be required to send a dispute in writing to their office address. The document sent to me contains an address in the upper right corner for : XXXX XXXX XXXX  XXXX XXXX, PA XXXX In addition, the letter contains an address in the upper right corner : XXXX XXXX XXXX XXXX, TN XXXX This address is then listed again in the body of the letter as the address to remit payment. It is also the prefilled address on the stub for remitting payment. 

The body of the letter states : Your account has been placed with this collection agency for collection. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume the debt is valid. 

On the back of the letter i received, there is an address for the original creditor : XXXX XXXX XXXX XXXX, NC XXXX Also there is an address labeled as " Our Office Location is : '' XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX I sent a dispute, via the post office on XX/XX/XXXX, to both the original creditors address listed and the office address listed. XXXX XXXX   XXXX sent another letter on XX/XX/XXXX regarding the debt ( which i received on XX/XX/XXXX ). I contacted them on the evening of XX/XX/XXXX and advised the dispute mailing address is not the office address. I did not receive any communications between these communications, either by phone or letter. I believe this is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
From : YouSent : Friday, XX/XX/2018 XXXX XXXX  ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.

This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: NC

Complaint narrative:
I HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 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: CA

Complaint narrative:
My XXXX XXXX and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.

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 2018-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2018 I am not a customer and attempted to take a check that is one of their customers to cash it. I was told I had to pay an {$8.00} charge. I paid cash to the writer of the check for a service that was not rendered, I was refunded. Why am I now having to pay {$8.00} to get the money back I paid. I didn't charge anyone {$8.00} when I handed them my CASH. They proceeded to discriminate against me bc I am an XXXX XXXX Trump supporter  and told me they would not waive the charge even though they were debating it. Then they called the police without asking us to leave and said we were trespassing. Why are they allowed to abuse public services like this, they were not threatened, they did not ask us to leave, it is an abuse of civil services. I am a tax paying citizen. The bank is not entitled fees to MY cash when I am not paying for their services. I did not choose Bank of America and I would NEVER PAY TO USE THEIR SERVICES. They discriminated against me bc I am XXXX XXXX and did not provide me the same service they would any other individual.

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 2018-04-28 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: TX

Complaint narrative:
The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX  Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XXXX  XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX Cred Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

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 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: Mnet Financial Inc
State: TX

Complaint narrative:
The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

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 2018-04-28 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: CA

Complaint narrative:
My XXXX XXXX  and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.

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 2018-04-28 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: NY

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

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 2018-04-28 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: NY

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

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 2018-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to Great Lakes stating that I can not afford payments of {$130.00} due to my current financial hardship. I told them I could only afford to pay at least {$75.00}. They responded back with a letter stating that they are unable to make any changes to my account and that I have to stay with my payments of {$130.00}. I then filed a compliant with them and I was told the same information that I have to keep my monthly payments at {$130.00}. On XX/XX/XXXX I mailed them a letter stating that my financial situation has not improved and that I need to stop my payments until I can afford them, which will be in the next year or too. I am trying my best to communicate with Great Lakes but they are no help to my financial situation at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I requested that this company validate the debt that was sent to me and proof that they were licensed to collect this debt. This company did not fully validate the debt and they are not and they are not licensed to operate in my state.

Company response to consumer: Closed with explanation