vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Today XX/XX/2018, I was notified by XXXX XXXX that their is a inquiry on my credit report from PayPal. I did not run credit for PayPal or apply for any credit card by PayPal. I want this removed from my credit report. This was not authorized by 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 non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

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 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
My daughter had XXXX  XXXX at XXXX XXXX XXXX and they never sent or sent a CORRECT CPT code to blue cross blue shield. The insurance company stated they will pay it if XXXX XXXX will enter and send them the correct code. I contacted them a year ago to correct this and the insurance company faxed something to cottonwood and they never corrected. I now have BONNEVILLE COLLECTIONS coming after me for XXXX medical bill that my insurance company XXXX  have paid. This has effected my credit very negatively I cant even apply to get a car or house because of an high balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted Capital One to advise that I had been charged 5 to 6 times by XXXX in XXXX and XXXX for over {$15000.00}. XXXX XXXX waived all the fees and finance charges and online it stated my next payment of {$830.00} was due XXXX even though the minimum payment still included the the wrong charges from XXXX. I call Cap One on XX/XX/18 to advise that I couldnt see my reward points. They advised me that my account was passed due so I couldnt use or see my rewards points. I advised them that I had over {$15000.00} in charges that were not mine but that XXXX was refunding to me. They basically said to bad you still owe us the minimum payment even though it was based on this charge from XXXX. I was advised by XXXX XXXX that there are no managers to speak to and her no answer was the final answer from Cap One. So they are making their customers pay payments on charges that are fraudulent or in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
Despite the merchants on printed words online and there own quote of the debt this sleepy debt company is trying to collect an amount not owed and as usual jack the price up 300 percent from what the merchant first falsely claimed. How long will we let this company go on Interpreting their own version of medical paperwork and practicing law without a license. This shady business continues to change his name in order to avoid the compile complaints were doing the same thing, extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
identity theft also had back payment child support does not show up on my credit report that i'v paid my child support, there are names show up like XXXX XXXX + XXXX XXXX XXXX+XXXX XXXX XXXX XXXX these names show up on my credit report. on my child support it says my balance is XXXX i do not owe this amount.i have proof of my XXXX check.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 2018-10-07 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: NV

Complaint narrative:
XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

TransUnion and XXXX has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Account is in good standing. Bill to American Express Platinum is due XX/XX/2018 but as of a week ago American Express has been sending me numerous emails saying my card is frozen. I called and told American Express that my bill is not due and I should be able to use my PLATINUM CARD until I fail to make payment. It is misleading therefore for company to state card has no limits! It looks like some kind of racket that should be investigated. I am going to rethink my relationship with American Express. I don't like second class status!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
BEWARE! American Express is sharing customer data with XXXX. THIS IS UNBELIEVABLE in an age of data privacy. IT IS UP TO INDIVIDUALS to unlink their financial account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. 

Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

XXXX and Equifax has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX  a request for validation and letter of dispute for an alleged debt that is reporting on XXXX  a {$0.00} balance and on XXXX   and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX  for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX  is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed 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 2018-10-07 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Visit local car dealership Hyundai of XXXX XXXX NC gave permission to check my credit and I recently found out they ran it totaled of seven times.Five times on XX/XX/XXXX and once on XX/XX/XXXX call them after receiving letters from different financiaing companies and they reinsure me that they only check it once and the letters were advertisement who they are affiliate with Im seeing if I can dispute the hard Inquiries on my credit report from this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XX/XX/18 - I received a notification from XXXX   regarding a new entry on my credit report asking me to verify. I had no prior notice of this, so I contacted Waypoint Resource Group, XXXX XXXX XXXX, XXXX XXXX, TX., XXXX, which is the company who reported this debt. I spoke to " XXXX '' regarding an entry on my XXXX credit report dated XX/XX/18 in the amount of {$49.00}. I asked who the original creditor was, as it was not included on the report, nor have I received any billing statement to identify the creditor. She told me it was XXXX XXXX XXXX. I asked about a payment arrangement, or a settlement amount, but she said no such arrangements could be made. I also told her that her company is reporting to the credit bureaus weekly, as " new collections '', which I believe is not allowed. She became rude, and told me that the entire debt must be paid immediately. Since I live on a low fixed income, I could have handled it better with some kind of arrangement. After this call, which did not go well, I contacted the original creditor, then found that there were actually 2 different accounts which I owed, both now being handled by Waypoint. I paid the older of the 2 in  the amount of {$55.00} on XX/XX/18, and arranged to pay the {$49.00} bill next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX  I have mail several documents requesting validation of XXXX XXXX   requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report. 

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify. 

Thank you for your attention, 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 2018-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify.

Thank you for your attention, 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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, XXXX, and Equifax the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, XXXX, and Equifax is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I paid XXXX XXXX  acct # XXXX in settlement XXXX. I never receive any letters from Convergent about this debt. They collected funds for XXXX open XXXX. The last time I knew about this account when XXXX XXXX  were handling this account inXX/XX/XXXX it were deleted from my credit file. They sent the account to XXXX XXXX, XXXX XX/XX/XXXX they decided to delete when XXXX told them to delete. This is the last time I saw this account on my credit file. When got notice from the credit bureaus about XXXX XXXX placing this account on my credit file. I took 5 years for this account to reappear on my credit file. Since I paid this account I want it deleted from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I got a credit card with XXXX XXXX XXXX in XX/XX/XXXX. I am not sure when they sold it to a collection agency since it's XXXX and they told me XXXX representatives are the same as XXXX. When I called to square up the account they told me '' In XX/XX/XXXX I could pay to remove any negative information on my reports ''. I asked them how much they told me {$210.00}. I paid it and as they said my account became current and I had a perfect payment history on my credit reports. So I refinanced my car loan and got a credit card with XXXX. So in XX/XX/XXXX I had a XXXX  credit score Fico XXXX. XXXX XXXX   reporting 0 missed payments. Then my score drops 130 points in XX/XX/XXXX with negative XXXX XXXX info. Then jumped back up to XXXX   showing again perfect payment history before dropping to XXXX   in XX/XX/XXXX when the collection and failure to pay showed up for the month of XX/XX/XXXX.

First of all the account was paid off in XX/XX/XXXX and in XX/XX/XXXX reported this way, so how I failed to pay in XX/XX/XXXX is not understood.

It now shows paid in settlement for less than the full balance/ charge off collection/ Depending on the time and which report I look at I get changing information and Impossible information, such as a 60 days late the month after a 60 days late.

I wish someone could clean up the mess of a company they are.

I was in good standing with my credit union getting the best pre approvals and app. Now I can't even get a credit card or increase.

I wouldn't have put myself in debt if I knew my credit information could report different inaccurate information. At different times..

So much more to explain how they took advantage of me and said '' good luck in court '' All 's I asked was can we hear the recorded agreement of the pay to remove. Wich I made sure to ask if the conversation was being recorded, so I was told to get a lawyer. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation