vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: MD

Complaint narrative:
I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo failed to review information as provided regarding a personal loan. When challenged, under-writers within the company made sure the re-review was 'in-house ' to prevent a correction in the decision. This is a part of a bigger and known problem with Wells Fargo and their unfair lending practices.

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 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed two 1 credit inquiry that I find to be problematic The first inquiry in question was apparently made by on XX/XX/2017 and I have no recollection of doing any business with this Company ( XXXX  ) I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Through XXXX XXXX I have an XXXX, Walmart,  XXXX XXXX and XXXX XXXX store card. Around XX/XX/XXXX I noticed that I saw a " payment past due '' on the XXXX XXXX card account. I was baffled since I had set up all my credit accounts with recurring payments and minimum due. I paid the XXXX XXXX account to include the late payment which I should not have done. I went to each of my accounts on XX/XX/XXXX to ensure that all of them were enrolled in recurring payments AGAIN. Today XX/XX/XXXX I see that Walmart Store Card account was AGAIN talking about " payment past due '' and they had tacked on a late payment fee which I told them I refused to pay. They claim that they were doing me a favor by removing the late payment fee but that I had to pay the full amount due by XX/XX/XXXX to keep from getting a 2nd late payment fee. I asked them what was the amount due on XX/XX/XXXX and that was all I was going to pay them, minus the late payment fee. I believe somehow Synchrony did something behind the scene to remove the recurring payment enrollment on these cards so they could generate a late payment fee.

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 2018-12-14 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 Adjusters, LLC
State: CA

Complaint narrative:
I have unknown collections on my credit report which are not mine..And wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX {$280.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor ( XXXX XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; account was settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 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:
I submitted the dispute number : XXXX on XX/XX/2018. I called last month to get the update and surprisingly they did not do anything about it. According to Fair Credit Reporting Act 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] and 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] The report agency Transunion has to investigate in 30 days. Today XX/XX/2018 has been 83 days and there is not investigation and continue affecting my credit score which went down by 110 points

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 2018-12-14 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: The Bureaus, Inc.
State: CA

Complaint narrative:
I have unknown collections on my credit report which are not mine..And wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have unknown collections on my credit report which are not mine..And wrong address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have stolen my information by someone and unknown collection is showing on my credit report and wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

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 2018-12-14 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:
XXXX  and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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:
XXXX and Experian show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

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 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan Care is erroneously reporting 60 day late payments on my credit report for a period of time I never even lived in the home. My home was purchased XX/XX/XXXX and sold XX/XX/XXXX. Loan care is reporting that I have 60 day lates for XX/XX/XXXX and XX/XX/XXXX. I tried repeatedly to have this corrected. Loan Care does not allow you to speak to representatives in their research department and despite bank statements showing payments and verification that the home was sold and payments were made timely, they have not updated the record. I wrote them several times and spoke to several representatives but was never able to speak directly with anyone that was actually responsible for rectifying the issue. I have been working with a consumer credit counselor for 6 months now and they have also tried to have the record updated as this is negatively affecting my credit score and preventing me from qualifying to purchase a home. They have been ignored as well. This is an egregious disregard of the facts and is creating an undue hardship to myself and my family.

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 2018-12-14 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: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Solutions shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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:
XXXX XXXX XXXX  shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.

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 2018-12-14 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:
XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CA

Complaint narrative:
XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA. 

Attempted to get debt removed-CRA 's have not done so.

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 2018-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JAN (LendUSA) Holdings, Inc.
State: NH

Complaint narrative:
OnXX/XX/2018 I resigned as a Loan Officer with LendUS ( XXXX XXXX XXXX  ). Per my Loan Officer compensation plan for 2018, I am due 100 % commissions for any loans closed within 30 days, for which I had 2. That equates to roughly {$10000.00} ( pre-tax ) owed to me before any deductions. I was due payroll payment today-XX/XX/2018, but did not receive anything. No information was provided either on the lack of payment. I did also notify the Labor Boards for both California and NH ( the state I work and reside in ) of this wage payment failure. 40+ other LO 's are also in the same horrible situation due to LendUS 's disregard to pay separated employees. 
( please remove the following if you post this ... ) Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jonathan Neil & Associates, Inc
State: OK

Complaint narrative:
Received letter from XXXX XXXX at Jonathan Neil & Associates on XX/XX/2018 indicating I owed {$2400.00} in damages from a hit and run that I was not involved in and in a car I did not own. The letter was non-specific other than a date and dollar amount. There was no invoice or proof provided. The letter was not sent by certified mail. The letter was dated XX/XX/2018. The letter was postmarked XX/XX/2018. Six attempts were made to contact XXXX XXXX at the number provided on letter on XX/XX/2018 but there was no answer. A message was left requesting a return call to explain above information. A return phone call was received on by phone with XXXX XXXX on XX/XX/2018 from a blocked caller. The caller ID indicated Unknown. XXXX XXXX accused me of rear ending a car and they are seeking payment from a unspecified California association. I asked what is part of their information obtaining process and if a police report is a part of that. She indicated that they had it. I explained to her that I did not possess this car on the date that was indicated on the letter and the police report would indicated that I was cleared because I did not own the car. I inquired what bar associated they are affiliated with. I was not given a response. She said she was going through 100 pages. I  requested she call me back when she has all the facts because I was at work. XXXX XXXX told me that I was being snotty and that she was trying to help me. I made mention of them sending legal documents by certified mail as I received the letter XX/XX/XXXX and the letter provided only 7-days to respond. XXXX XXXX continued with derogatory comments and I told her i would be getting off the phone. I received, again, another call from a blocked number and caller indicated it was Unknown on XX/XX/2018, again, while I was at work. She was seeking payment for the hit and run she was accusing me of. I asked if she remembered the previous conversation we had. She said, how you sold it? I replied yes. She said she ddint have any proof of that. I indicated to her that I did not feel like she was legit and that I did not feel like she did her due diligence even if she is. I told her I was hanging up now. After the first call, I contacted my insurance company. I was instructed by a licensed agent in Oklahoma to not provide my insurance information and that it is the dealierships responsibility to transfer necessary documentation to the new owners. Below are the provided documents, including the copy of emails between myself and Sgt XXXX with the Hit & Run Division clearing me of any involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX  XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by  XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX  XXXX  without notifying me of my XXXX  upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. 
Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX  -XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
I asked XXXX, XXXX and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party. 
4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.

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