vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 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: FL

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 2019-05-23 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: NY

Complaint narrative:
Incorrect accounts are on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
Incorrect accounts are 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 non-monetary relief
Consumer complaint received 2019-05-23 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: National Credit Systems,Inc.
State: RI

Complaint narrative:
National Credit systems is reporting erroneous information to XXXX   Credit bureau and XXXX. I have submitted a complaint before about a month or two ago and they sent responded through CFPB with an affidavit for ID theft. ALL THE CREDIT BUREUAS AND them have copies of my ID theft and police reports. I do not understand how a company can continually report false information damaging someones financials with no repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Around XXXX of XXXX I started to get calls from my health club XXXX XXXX, ( now bought by XXXX XXXX ). I have gone to the gym off and on since XXXX. Every now and then they would have issues with my auto payment, and I would go to the gym speak to the manager and it would be taken care of. So in XXXX I went in and talked to the manager XXXX. XXXX told me not to worry about the calls he was going to take care of everything and start my membership up again. I still to this day am paying for my membership. I randomly looked at my XXXX XXXX app last month and saw I had a debt collection from XXXX XXXX ( was XXXX XXXX )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc

Complaint narrative:
The company has contacted me for a debt and have called me 4 times within 3 days. This period was also during a 1 week period. 

The company they are working for also made no contact with me regarding the amount owed and without my knowledge sent me to a debt collector They called me on the following dates XX/XX/19 x 1 phone call XX/XX/19 x 2 phone calls XX/XX/19 x 1 phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CA

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to XXXX XXXX, XXXX XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The XXXX XXXX XXXX account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my XXXX report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my XXXX report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted XXXX numerous times regarding this situation but have always gotten sent back to Capital One with no success, and my good standing XXXX XXXX XXXX account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the XXXX   report. This document also shares the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to Trans Union, XXXX, XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The 10 year old account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my TransUnion report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my Transunion report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted Transunion numerous times regarding this situation but have always gotten sent back to XXXX XXXX with no success, and my good standing 10 year old account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the Transunion report. This document also shares the Transunion File Number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
{$11000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$320.00} XX/XX/XXXX Collecter : Medical Data Systems DBA Medical Revenue Service Original biller : XXXX XXXX The above three amounts are all from the same medical procedure. The dates following each are when the accounts were open. These numbers/dates are followed by the name of the debt collector, then the name of the medical facility where I first incurred this debt. 
I had a medical procedure in XX/XX/XXXX. I was assured that it was entirely covered by my XXXX and signed all the required documents to have my insurance billed. This procedure would never ever have been done if I had been told XXXX   wouldn't cover it and as far as I knew - until very recently - it was. I didn't receive a bill nor a phone call from the doctor 's office. I imagine if there was a problem with a patient 's bill, especially when that patient is a XXXX recipient, a medical office would feel obliged to contact their patient and let them know they could possibly owe over {$12000.00}. I am devastated. I've been working towards rebuilding my credit and recently got it above XXXX after it being over XXXX lower last year. I have no reason to believe XXXX didn't pay for this XXXX and, by the looks of it, I'm being held responsible for the entire cost. This is not ok. My husband ( who is XXXX ), my son and I live in subsidized housing and have to try hard to get by. This procedure was a elective XXXX XXXX. I would have happily found other forms of XXXX XXXX if I thought I would have to deal with this disaster. I am just so upset and as I said, as far as I know, this was covered by insurance! It was discussed with my doctor and the secretary and I NEVER RECEIVED A BILL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship 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 2019-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I leased a XXXX XXXX  XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Upon closing the deal, F & I Manager XXXX XXXX sold me XXXX XXXX XXXX XXXX XXXX Agreement # XXXX   XXXX for {$430.00} and another one called Appearance and/or Windshield Protection for {$350.00} both for 4 years. On my 3rd year of leasing, I noticed I never got a policy to read at all. So I called XXXX and inquired to where I can call about the service agreement about a dent repair because someone or something scratched my car. I even went there beforehand to inquire how I can get it repaired using my Service agreement. That was the only time I was told that it has to be a size of a credit card and therefore, it does not qualify for repair. This was not explained to me when I was sold the product. I called the company called XXXX and asked for the policy to be cancelled since I feel that I got decoyed into buying it believing that if my car get scratched, I'm insured. XXXX told me it's not refundable and emailed me the policy which I don't understand why now I can't find it among my email inbox. On the 1st week of XXXX I emailed XXXX XXXX, Manager of XXXX XXXX discussing my situation that I am on BK XXXX and that will the dealership allow me to extend or lease another vehicle. XXXX XXXX responded and met with him XX/XX/XXXX. I filled out an application and submitted my W2s only to find out they turned me down because of BK XXXX So I gave up. Went to XXXX XXXX XXXX to get another car because my XXXX lease is expiring in XX/XX/XXXX. They agreed to help me even with BK XXXX and possibly pay the last 2 months of my lease. Unfortunately, they are asking for payment history. I called XXXX XXXX   Account # XXXX at XXXX to get my payment history but they refused to email me the payment history but only to my lawyer. I do not understand this. I ended up losing the deal with XXXX XXXX XXXX. Up to now, XXXX XXXX does not want to give my my payment history and I don't understand that since it is my own record. From the very start, they decoyed me about selling useless service agreements and which I'm not allowed to cancel. Now, the XXXX fXXXX is giving me a hard time getting my own record so I can apply at another dealership for a replacement car. I had been faithful paying XXXX XXXX in the past. I filed for BK XXXX because I had been in and out of the hospital and was forced to retire due to my illness. Now I am stuck and after I turn over the XXXX car, I have no car to go back and fort to the specialists since I could not even get my own record from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems inc. is constantly harassing me for a fraudulent collection from an apartment complex called XXXX XXXX. Theyre claiming I owe XXXX and threatened to get a fraudulent judgement against me to try and garnish my bank account which contains my XXXX social security Benefits and child support. Both of these types of income are exempt. I dont owe this money and have provided proof from station heights resident account dated XX/XX/XXXX showing a zero balance. I closed on a home on XX/XX/XXXX and my lease expired on XX/XX/XXXX. I moved out XX/XX/XXXX and station heights cashed a check from me dated XX/XX/XXXX for {$560.00} for final move out rent payment with utilities included all noted on the check they cashed. please keep in mind ( THEY DONT ACCEPT ANY PARTIAL RENT PAYMENTS ) I owe absolutely nothing as if I owed I would not have been able to purchase a home if I was someone who didnt pay my rent. I lived at this apartment complex for 6 years and they have changed mgmt. many times. They would often charge erroneous fees to receive extra money from tenants. Not once was I ever late in paying rent I have an impeccable rental history. XXXX XXXX is retaliating against me because I complained about their maintenance issues to corporate and because I refused their lease renewal and bought a home instead. I have documents proving when I closed on the home XX/XX/XXXX, copy of the cashed check for {$560.00} dated XX/XX/XXXX, bank statement showing they cashed it, lease showing it expired XX/XX/XXXX, moving company receipt dated XX/XX/XXXX and resident log in dated XX/XX/XXXX showing a zero balance with my name and apartment number. They constantly call and send threatening letters to try an intimidate me which is not a tactic thats working. I know my rights are being violated and this is a fraudulent collection. I sent them a cease and desist letter via email on XX/XX/XXXX and have filed disputes with all 3 credit bureaus. I will not be bullied and or forced to pay a fraudulent debt. If I moved out on XX/XX/XXXX why would it say on XX/XX/XXXX on the resident portal after my leased expired on XX/XX/XXXX I owe XXXX dollars? This proves theyre just trying to manipulate me into paying a false debt. Tenants are constantly moving out and the management company is desperate to make money for the apartments theyre not able to rent. National credit systems/station heights need to be fined and penalized for their fraudulent collection tactics and fraudulent debt practices. I ask that this is investigated and proper reprimands are executed against them. They need to delete this off of my credit report and stop contacting me before I take expeditious legal actions against them. Thank you as I look forward to an amicable resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The signature loan I owed was charged off and sold to The best Service Company. After receiving letter of debt from this debt company, I called them to make a settlement. They stated they were representing the original lender to collect the funds and the original lender does not except settlements. I then contacted the original lender to verify if they were being represented by The Best Service Company, in which they denied that information, stating the debt I owed was charged off, and they have nothing to do with the debt at this point. They also mentioned the best Service Company has been known to except settlement offers.I relayed that information to The Best Service Company, but they continued to lie about being the 3rd party representative for the original lender, stating the original lender being represented does not except settlement offers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX 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