vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
I have disputed the late payments XXXX, XXXX, XXXX & XXXX on this XXXX XXXX XXXX for months. XXXX and XXXXn have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I recently pulled my credit and notice XXXX XXXX XXXX is reporting a balance of {$1100.00}. I've sent four letters to this company asking to verify this debt. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital agreement with my signature. I have not received anything but a print out of a balance they claim I owe. I am a twin and they mix our files up at the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.

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 2018-10-11 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:
I have some accounts on my credit report that have been on my report more than 7 years. some of these accounts are more than 10 years. When I dispute these accounts more negative information is added and account remains. By law these accounts should have been deleted. 

XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 70 % Balance {$1000.00} Balance Updated XX/XX/XXXX Credit Limit {$1500.00} Monthly Payment - Past Due Amount {$1000.00} XXXX XXXXXXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 254 % Balance {$7600.00} Balance Updated XX/XX/XXXX Credit Limit {$3000.00} Monthly Payment - Past Due Amount {$7600.00} XXXX XXXX XXXX XXXX XXXX Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Installment Negative

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 2018-10-11 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: CA

Complaint narrative:
It appears on my credit report through ( rental credit and the XXXX, XXXX and transunion.com that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information

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 2018-10-11 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: CA

Complaint narrative:
It appears on my credit report through ( rental credit and the XXXX, equifax.com and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
Apparently XXXX sold my payday loan to XXXX XXXX XXXX who hired XXXX XXXX XXXX. XXXX XXXX keeps blaming everyone else. They are calling all my employees constantly, my Dads ex wife, calling my store telling them I have a legal issue with an unpaid debt and I'm about to face legal action and they are giving XXXX XXXX name, number XXXX and my case number XXXX. I called them and they said I have a wage garnishment, I looked it up and it's not there. They payday loan is for {$600.00} & they said I owe {$4800.00}. I have not been contacted till now, this is from 2015. I do not know if this is legit and company can not answer my questions. They keep threatening me with legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: AZ

Complaint narrative:
Pendrick and XXXX XXXX continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. Pendeick continues to reassign the collection debt, knowing they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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:
I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money.

My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame.

I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.

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 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank bounced a check from one of my accounts and never notified us ( so that we could resolve the issue ). This has never happened before in the past regarding checks. The check was written to my daughters day care. The bank then began charging us multiple insufficient fund fees and a return fee when we had the money in our accounts the entire time. So instead of just pulling the funds from one of our other accounts. I contacted the bank to clear up this matter and they were unwilling to resolve the matter with us. My wife contacted the bank to do the same and they were very rude to her. We have been with Chase bank for over 10 years. I'm filing a complaint for " unfair business practices, '' and taking advantage of there customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX set me up with equipment that raised my bill and failed to fix a problem for 7 months, and had me renew my contract under false pretences by sending a technician to my home and tricking me into believing that my service issues were resolved, and they were not. So I cancelled the contract under false representation of their service. XXXX is trying to charge me an early termination fee for which I dispute being I would not have renewed with XXXX if they would have fixed the issue with my boxes buffering. While we are still in the process of negotiating a fair price XXXX reported a collection on my credit in an attempt to denigrate my character. I have not had a late payment or collection on my credit in over 15yrs. And the final decision had not been communicated to me as a matter of fact no manager has called me back as of date. Nor has their been any attempt at reimbursing me for the 7 months that my service was not working. The collection has not been resolved yet XXXX reported to the credit agencies without attempting to return my phone calls.

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 2018-10-11 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: Motolease, LLC
State: AL

Complaint narrative:
I had a motorcycle lease with Motolease , LLC. I closed the account at the beginning of XXXX. XXXX is still reporting that my account is delinquent. They have reported a delinquent status for the month of XXXX and XXXX. I have spoken with 3 different people who have admitted that there was an error on their part and that it would be fixed on their end. To this point, it has not been fixed. This error has been hurting my credit tremendously and I am not getting any positive feedback from XXXX. I have asked for correspondence to be emailed to me so I could send it to the credit bureaus and they have failed to do so numerous times. I spoke with a supervisor who ensured me that they would send me documentation and each time they have failed to do so. When I did speak with someone, they told me to " just dispute my credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Choice Mtg INC.
State: OK

Complaint narrative:
I have a signature loan with XXXX XXXX in XXXX that is behind. I have asked them repeatedly not to call my work number but they continue to do so. 
Voicemails and call logs can be pulled if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Called Chase bank XX/XX/2018 regarding my ridiculously high APR on my 3 credit cards with them. My APR is 24.99 % and my credit score is in the low 700 's. I have been with Chase for over 3 1/2 years and I have never missed a payment. I was told by a supervisor that they don't negotiate APR 's, and that I am getting the best rate on my account. I also have a 0 balance on all 3 of my cards with them. The only reason I am still with them is that they are decent at raising my limits but bad at lowering my APR, because they never have.

In closing I would appreciate you look into this company and others like it, when they become to big to care for the little guys, they will lose all in the end from their greedy ways. Thanks for the help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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:
Open credit card accounts : XXXX XXXXXXXX XXXX XXXX Reported XX/XX/2018 Balance : {$380.00} / {$300.00} XXXX/XXXX Reported XX/XX/2018 Balance : {$590.00} / {$500.00} " Identity Theft Victim / Equifax Data Breach '' I never authorized ( authorization ) too pull / view my credit report too open accounts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't authorized ( authorization ) too view / pull credit for new accounts!!! 
( Identity Theft Victim - Equifax Data Breach )!!! 

Inquiry details : XXXX!!! 
XXXX XXXX  Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXXnquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Inquiry details : Equifax!!! 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: NJ

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( Equifax and XXXX XXXX  ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XXXX and XXXX AFTER the item was paid. But they then listed a 120 day in XXXX of 2015 ... TWO MONTHS AFTER PAYMENT.

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Freedom Mortgage Company
State: CA

Complaint narrative:
i was told by the company as along i make a payment by the XXXX of the month i will be charged a late fee but ok for the 30 day late payment. so due to financial problems i am making the payments on the XXXX every but never been late more than 30days. on XX/XX/XXXX i made a payment in the evening but the bank did not pull the money so i thought the money is in the account it usually takes 2 to 3 days to deduct the account. but a rep called me on the XXXX and said there was no payment made that month, i explained it to her she said she will check and call back but no reply after me calling more than 10 times finally the supervisor says you made a payment but it was after the cut off time. which i was not told there was a cutoff time i was told as long i made it on the XXXX of the month

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 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Im being garnished by a debt collector. This debt is from XXXX which is over 7 years. I have not been to court since XXXX about the case. The debt is no longer on my credit report and I have no reason to pay these people. The collector have garnished me 3 times and took my bank account wages. When I call the number of the debt collector I can never speak with the man thats garnishing me he is always in court or not accepting calls. Please help me with this financial nightmare. I have been through financial hardship from this debt company they are harassing and bullying me. I need help getting my life back on track and free of this debt.

Company response to consumer: Closed with explanation