vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: MI

Complaint narrative:
I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-28 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: AFNI INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: WA

Complaint narrative:
I never gave authorization for this inquiries, and have attempted to get them removed multiple times to no answer, or forward progress XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Recently received mail solicitations for filed lawsuits against me for debt that was never validated/ verified by XXXX XXXX XXXX . I received one phone call from a representative that stated they wanted to collect on a debt. I informed the individual that it was highly unlikely that I would be paying anything that I hadnt verified nor received anything in the mail. I was told to expect the mailing soon and I could then make payments. I told the individual that I didnt have the resources to make any payment that I am unemployed with XXXX XXXX and had recently lost everything in a flood. I never received anything from that company, call, letter, nothing but I received notice of a lawsuit. When I called last week, I was told that the accounts were closed but if I need to talk to someone, contact the attorney. Now, from my understanding as it is clearly noted on their website Consumer Bill of Rights, that collection activities are suspended and accounts are closed due to medical and financial hardships. They didnt provide proof that I owed them anything but I was upfront with them about my financial situation and illness and now Im being sued! There is no fairness and a whole lot of misrepresentation in those Bill of Rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: MI

Complaint narrative:
I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!

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 2017-11-28 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: GA

Complaint narrative:
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

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 2017-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On friday XX/XX/XXXX i received a refund from XXXX of {$290.00} using Paypal as the way i pay for the service. Cause i had a opened request from XXXX. Paypal hold the payment for the amount of {$230.00} without my permission ; ask or way to solve the problem. Cause that money wont belong nobody but me i think like customer im naked without any protection. I tried to contact the parts but like u already know Paypal and XXXX had shadys ways to help u. Im very frustrated cause i lost the money and i want to help other people dont have to suffer this experience. We need like customers any kind or regulation of those websites, theyre work in completely free will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately Navient has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: GA

Complaint narrative:
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

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 2017-11-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

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 2017-11-28 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: TX

Complaint narrative:
Experian and XXXX credit companies are not updating my personal credit that I have disputed and that Lenders such as XXXX/XXXX XXXX, XXXX XXXX and XXXX have disputed on my behalf. XXXX XXXX mortgage disputed my loan so that Experian and XXXX would update it to a " In good standing and up-to-date account. My student loans held by XXXX and XXXX XXXX have XXXX balances and have been dismissed due to my XXXX XXXX. Also, they will not update and remove old information from my report such as what XXXX has done. XXXX is working on my report but Experian and XXXX refuse to update my credit and give me an accurate credit score. In fact I am unable to get a credit score from Experian. Please help me with this issue.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been batting with Equifax for a year about this items on my credit file. I have disputed them sending documents and they have investigated and sent the results back to me. That these items have been deleted from my credit file. And that they have done everything so that these same items want reappear on my credit file. So a year later these same items and companies have reappear back on my credit report causing very harmful to my credit score, causing it to drop. When contacting them they seem as if they do n't know what i am talking about. When these are the results that they have sent to me after investigate it, After sending in a copy of their letter head with their logo on it showing their investigation that they have completed. That these items have been deleted and that they have showed back up on my credit files. These are the accounts as follows : Confirmation # XXXX on XX/XX/XXXX/Accounts # XXXX, {$25.00} # XXXX, {$110.00} Confirmation # XXXX on XX/XX/XXXX/ Account # XXXX {$50.00} and accounts # XXXX {$37.00} and {$210.00} CASE NO.XXXX on XX/XX/XXXX was deleted and showing back up on my credit files as XXXX balances. But as they reappear causing a impact to my credit scores causing it to drop. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX 
To:
XXXX
Bcc:


XX/XX/XXXX at XXXX XXXX

ON XX/XX/XXXX i wrote Portfolio recovery Associates and i asked them not to contact me by phone only by mail. I sent them a certified letter which they did sign.  I received a phone call from them at XXXX XXXX XX/XX/XXXX. They did not leave a message. They are calling on the land line and cell.  Please see the attached documents for your reference. This is direct violation of the FCRA rules. So far this does not appear to be a reputable agency and i am not happy with the quality of service and i wish to file a formal complaint.

I sent the above correspondence to XXXX

I also sent them a copy of the letter asking them to only contact me via us mail not by phone. Which I have responded to them by US mail in a very timely matter.

I also sent them a copy of the certified letter which has their signature that they did receive the letter

I also sent them a picture of my cell phone log showing them Portfolio recovery calling me on XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: TX

Complaint narrative:
I contacted Transunion and XXXX about incorrect items on my credit report XX/XX/XXXX certified mail. I disputed collection accounts on my credit report, alias l, updating name and addresses and inquiries on my credit report. I received a letter from Transunion 2 weeks later around XX/XX/XXXX that stated my permission was not needed for companies to run my credit and place hard inquiries on my credit report and I had to contact the companies. I tried to call them around XX/XX/XXXX to once again advise that there was unauthorized inquiries they were reporting XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
On XX/XX/XXXX I received an updated letter from Transunion that showed some items removed but other accounts it stated dispute not specific ; verified and updated. However Transunion failed to send my validation from the creditors reporting negatively on my credit report. Such as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX # XXXX # XXXX. I have not received any documentation with my signature or a contract showing I entered into a contract with these 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 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I just received a debt collection letter dated on XX/XX/XXXX from State Collection Service , Inc. XXXX XXXX XXXX XXXX, XXXX WI XXXX for {$30.00} to my mailing address at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. The letter indicated the past due account have been referred to its office for debt collection. 
I initially made an appointment for XXXX on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX for preliminary XXXX a ( XXXX ) XXXX at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX. But I called their office at the number stated above may be around ONE week prior to the appointment date to cancel the appointment because I did not want to go through with the XXXX after consulting with friends and family. The secretary on the phone reaffirmed me that the appointment has been cancelled and I had nothing to worry about because there will be no XXXX. 
Now, 6 months later today on XX/XX/XXXX, I received their first notice of payment of {$30.00} through this credit agency. Why did the secretary tell me it was cancelled and still billed for for an office visit I did not go to? I 've never received any bills from XXXX or any written notification from their office for this {$30.00} bill either to my mailing address ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) or my home address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) until now through this collection agency. 
This is NOT good for my credit nor is it fair for me. I am going to mail the {$30.00} payment to State Collection Service, Inc. today. But please request XXXX Hospital to remove this from my credit history as it is clearly NOT my fault nor was I aware of what has transpired. Thank you in advance for all your help in this matter. 

Sincerely, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Client Account Number : XXXX Service Date : XX/XX/XXXX Account Balance : {$30.00} Total Amount Due : {$30.00} From : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX, XXXX WI XXXX Phone Number : ( XXXX ) XXXX or Toll Free ( XXXX ) XXXX Hours : Mon - Thurs XXXX - XXXX Fri XXXX - XXXX, Sat XXXX - XXXX

Company response to consumer: Closed with explanation