vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 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:
XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information 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.

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 e-oscar or any means of automated verification.

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..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2018-09-02 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:
XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information 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.

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 e-oscar or any means of automated verification.

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..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I made settlement arrangements with the company in which I could not afford to keep. After multiple checks had bounced, I spoke with a representative and advised her I would like to cancel ACH authorization and they still proceeded to run the checks. This has caused an extreme hardship on my end due to multiple overdraft fees. I was told that the company would not reimburse the fees that they had caused and any monies that were paid by my bank after advising Porfolio Recovery to stop the drafts would not be refunded. The " supervisor '' XXXX XXXX refused to give me the name of the representative in which I spoke to originally and told me that the ACH 's are submitted at XXXX XXXX. and could not be cancelled the day of. I was not informed this by the representative I had spoke with to cancel the ACH draft, and I was clear that I did not want those payments to be submitted and was clearly informed on their " recorded line '' that my request was understood and would be honored. The supervisor continued to over talk me was rude, very unprofessional and hung up the phone during the call. I have worked in the financial industry for years and never has any company I worked for/with ever ran ACH payments at XXXX XXXX while no one is in the office!! They are not a bank they are a collection agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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:
XXXX XXXX  XXXX {$75.00} and {$82.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditor Please validate this information 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. 
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 e-oscar or any means of automated verification.

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..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation Remove immediately as other 2 bureaus have, against F.C.R.A. law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018 XXXX XXXX hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at XXXX XXXX I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.

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 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am an authorized user on my cousin XXXX Discover card which has a {$10000.00} limit. I have my own Discover card also but thats where my problem is. The issue here is on XXXX it says there is one late fee. Discover and my cousin have worked all this out and I just want the late fee off my file like it is for him. I have tried calling Discover but since I am not XXXX they will not talk to me about that account. My cousin XXXX who is the card holder of the account called up and they said they would fix it within 10 days business days which they have not done. I just want this late fee removed has his record is 100 % on time payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so! 
Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!

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 2018-09-02 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:
These inquiries are unauthorized, and I have contacted the creditors ... and was informed that you should promptly delete ... and that they will and have not verified this Please validate this information and provide me with copies of any documentation associated with these accounts, 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. 
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 e-oscar or any means of automated verification.

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..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation 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 2018-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint against Care Credit/XXXX XXXX for an account I had with chiropractor, XXXX XXXX of XXXX XXXX. I have been billed for services I have never received such as cold laser treatments. I was told I would pay for one visit and get one free. In addition, XXXX XXXX told me he would bill Medicare for some of this care. I contacted Medicare and they said XXXX XXXX Never submitted a bill to them. THIS IS FRAUD, plain and simple, perpetrated against a senior citizen. Prior correspondence from a XXXX XXXX, Senior Specialist, Corporate Consumer Relations at Synchrony, made No sense. She said they could not judge the quality of service. THIS HAS NOTHING TO DO WITH THE QUALITY OF SERVICE, EVEN THOUGH IT WAS HORRIFIC, IT HAS TO DO AS I STATED ABOVE, WITH being billed for services not received, being told one thing and XXXX XXXX doing something else. I called XXXX XXXX   today again and spoke to someone by the name of XXXX. She said there was no one at Synchrony by the name of XXXX XXXX. I said I have the letter right in front of me. This situation is outrageous. My bill should be down to {$150.00} and nothing is resolved. XXXX XXXX Never came up with what he billed Medicare because he never billed them ... he lied, plain and simple.

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 2018-09-02 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:
I did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Also involves the phone number XXXX. 
I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to call me multiple times per day and 1/2 of the time their automated system just hangs up when you answer. The rest of the times the automated dialer tells you to hold for an important message and then you sit on the phone waiting for a representative who tells you that you need to make a payment even if you've already made an arrangement. they still continue to call me anywhere from 4- 8 times a day.

phone calls begin at exactly XXXX XXXX and continue throughout the day even if you've already spoken to somebody.

Also, I just made a payment two days ago and I am not even past due anymore but they still keep calling me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: Capio Partners, LLC
State: MN

Complaint narrative:
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a Chase checking account for several years. I have my social security direct deposited into my checking account. Just over 2 months ago I learned my account was over {$2000.00} in the negative. I called social security to stop my check from being lost to Chase 's overdraft practices. I was unable to stop it in time and lost half of my limited income. I filed an investigation with the bank and some those funds were returned to me. I got a new debit card. I had my social security direct deposited again. Before I realized it the same thing happened again. I called and tried to have the account frozen. No one would help me. I received a letter from Chase saying I was right and the money they returned stood. But I still lost my s.s. check which sent me and my bill paying into a spiral into a deep hole. I had to leave my home and am now XXXX  and will probably lose my vehicle as well. As soon as my new card came in, new strange charges again appeared on my account. I called and complained. I was told to go to a branch for help. I did and was told that since I had already received help they were not going to help me again. I had again had my s.s. check direct deposited thinking everything was straight. Not only did I lose it but instead of just {$1000.00} in the negative I'm now {$2000.00} in the negative even after again losing my s.s. check again to the Chase bank. Over the past two weeks I've been dealing with storing my belongs, finding a place to stay temporarily. ( I live with my adult son who has been fighting his past and struggling to get a job so we r both XXXX ) and have not been able to physically go to a Chase location. I plan to on wednesday but from my last reception I don't expect much help. Of course on top of all the bogus charges are the bank overdraft charges. I have ordered the government direct deposit card and my next check will go there but that won't happen for another three weeks. In the meantime I can't pay any bills, I can't buy food, gas, etc. I have no money to pay to get into an apartment. 
My biggest question and complaint is why didn't Chase stop these charges before Chase allowed this situation to completely destroy my life. I don't know where to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation  on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX. 
DBA 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
Consumer complaint received 2018-09-02 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: MN

Complaint narrative:
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from Experian. I am being harrassed and it's too much. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 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: The Hamilton Law Association
State: MN

Complaint narrative:
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-02 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS shows as foreclose started, however this process was finalized as a sale on XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently joined a monitoring service and noticed fraudulent account reported from XXXX XXXXXXXX in the amount of {$5000.00} to TransUnion This account is fraudulent does not belong to me I have reported this account in which I have attached document.

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