vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX a debt collection agency added an alleged delinquent account to my credit report for a medical bill from XXXX. I had medical insurance at all times and all bills that were submitted as a claim were paid by my insurance company. There was no claim submitted to my insurance for the bill they are claiming is delinquent. I am not responsible in NJ for a medical claim that was not submitted in a timely manner by the provider. 

I have called the agency but they refused to remove the debt from my credit report. The agency is Remex, located at XXXX XXXX XXXX, NJ XXXX. Their phone number is XXXX. The alleged account number ends in xxxXXXX. The charge amount is $ XXXX.My health insurance company, XXXX XXXX XXXX , has no record of a claim being submitted for XX/XX/XXXX for me from the provider, Immediate Walk-In of XXXX, NJ. 

This same company did the same thing to my son about 2 weeks ago for the same alleged debt type and the same amount. He paid the account charge of {$91.00} by credit card because he didn't know how to dispute it. This alleged debt also should have been paid by medical insurance but only if the claim was filed by the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Paypal Credit. I never opened this account, someone opened it in XX/XX/XXXXfrom what Paypal tells me. Recently someone has been using it XX/XX/XXXXand I received a bill, I called Paypal credit filed a report in XX/XX/XXXX even filed a police report as they requested. They failed to close the account as I requested the first time in XX/XX/XXXX when the account was owed only {$200.00}. They left the account open after my pleading with them on three occasions, now the account is over {$1000.00} Three separate times they have denied my fraud claim and this is adversely affecting my credit for two months. I never opened this account or charged on it. I plan to join a class action lawsuit as well since I have been trying to clear this up with Paypal and synchrony credit. They will not even give me the email information that this account was opened under.

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 2020-01-14 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:
I have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. I have also submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
Good evening, Consumer Financial Protection Bureau. I kindly pray you are blessed today. I am in need of assistance regarding issues concerning unexpected fees. After the first payment was made, there were funds that were partially to be utilized for important things, e.g. food. The balanced was counted ; it appears as if the company waited until the first payment was made to assess fees. As a result to this, there were decline fees that were unexpectedly assessed. This had brought to an inconvenience. There have been other inconvenience fees that had taken place with the transactions. I am communicating via CFPB because it costs {$1.00} to communicate as a peacemaker. Also, I have recently been in the hospital. I am please kindly seeking for the Consumer Financial Protection Bureau to process this respectful complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  reporting on my file XXXX XXXX XXXX delete currently on lettigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one consumers credit card, charging me {$38.00} per month late fees, I pay all my bills every month and have done so for years. They also reported a missed payment to credit bureau and couldn't even explain which month and this dropped my score by 50 points. I pay all my bills around the XXXX to the XXXX of the months. But this capital one will charge late fees after one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i called capital one last month on XX/XX/XXXX to tell them my {$81.00} payment would be a few days late as i was receiving a payment on an odd week. I recorded the call for my records, just as the agent stated the call would be recorded. The agent told me the late fee would be waived and she would be make a note on my account. Five days later I made the payment. i then called, and the agent reversed the late fee. I also enrolled in the payment assistance program for ninety days as I am in between jobs and waiting to start a new position. I agreed to make the payment of $ XXXX   monthly as this is what i can afford for the time being. I received a letter in the mail confirming my enrollment in the payment assistance program. I checked my account online and saw that it was in past due status. I waited a few days assuming maybe it takes them a couple of weeks to rectify the account status. Today, XX/XX/XXXX, i was about to make a payment and noticed the balance is still {$100.00} and my account is still in past due status. I called capital one and spoke with an XXXX ( operator ID : XXXX ). After sitting on the phone for XXXX minutes in dead air while he researched my account, he could not find a reason for the past due status. So, he stated he had to contact a Senior Agent. HE came back to the line and stated my account was put into past due status because my payment was {$2.00} short. I went ballistic. My payment has never been short. I agreed to {$81.00} per month, THAT IS ALL. Why would i go online and make an {$81.00} payment if the balance said {$83.00}? That doesn't make a bit of sense. Why would I agree to pay {$81.00} per month if it said {$82.00}? My payments have never been late, I have always made them on time and full the amount due. He then transferred me to XXXX ( Operator ID : XXXX ), a senior agent. She stated she had to submit a request to have my minimum reset back to {$81.00}, and the request takes 7 to 10 business days. She didnt know what the adjustment would be. So, to ensure there are no late reports, I made a payment today of {$84.00}, which includes the {$2.00} they claim I didnt pay last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
I sent a letter via certified mail to Diversified Adjustment Services in response stating I owed a debt. I asked for validation of the said debt, explanation of the debt via. I never received a response from the company. I sent a second letter via certified mail and still did not receive anything. Diversified Adjustment Services has now put a collections note on my credit even though I still don't have any validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NV

Complaint narrative:
XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX  Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach. 
I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WY

Complaint narrative:
Called them because I was paying an incredible amount of interest, they would not lower it. It turned out to be 895 % interest. They also are not licensed to do business in Wyoming, which is where I've resided since 2002. If you need my account number it is on the attached 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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITOL ONE IS REFUSING TO CREDIT MY ACCOUNT WHEN XXXX HAS RECEIVED AS A RETURN AN ORDER BECAUSE I HAVE PROOF. XXXX CS PEOPLE STEAL FROM CUSTOMERS CARDS AND I RETURNED THE ENTIRE ORDER BECAUSE IT WAS DUPLICATED AND BOUGHT BY A CUSTOMER PROBABLY BY SOMEONE IN A FOREIGN COUNTRY. I DO NOT KNOW IF THIS PERSON KEPT MY ORDER BUT I PAID FOR IT XXXX AT CAPITOL SAYS THERE WAS NO FRAUD BY LETTER AND HE HAS BEEN DECEIVED. CAPITOL ONE IS FORCING ME TO PAY FOR SOMETHING THAT XXXX HAS IN THEIR WAREHOUSE. I WANT THIS INVESTIGATED WITH XXXX AND CAPITOL ONE BECAUSE THERE IS FRAUD HERE BY THESE TWO COMPANIES. I DO NOT HAVE ANY OF THESE ITEMS AND WHEN CALLING THE FOREIGN AGENT JUST LEFT ME ON HOLD AND REFUSED TO HELP ME. I WANT THIS RESOLVED AS FRAUD BY A MGR AT CAPITOL ONE. THESE FOREIGN COUNTRIES STEAL CONSTANTLY AND I AM BEING FORCED TO PAY ITEMS I DO NOT HAVE IN MY POSSESSION. I NO LONGER DO BUSINESS WITH XXXX DUE TO THIEVES AND NON EXISTENT HELP FROM FOREIGN CS AGENTS THANKS AND PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am wondering why EXPERIAN Credit Report would have the following negative report on my records for 28 years. Date open XX/XX/1992 account in dispute under FCBA and closed by consumer. 
I called XXXX XXXX today and they have no record of this account in regards to a credit card. 
I will be looking for EXPERIAN to compensate me financially for the attached reporting ; causing me to pay a higher finance rate, interest on loans for the last 28 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 2020-01-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is not my account. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: IL

Complaint narrative:
My car was taken after I had paid my loan off. XXXX XXXX would not work with me and said that my payments didnt go through. I just fear this with XXXX and not much happened. This on my credit report until XX/XX/2022is not sufficient and it is been the main source of killing my credit. I cant get loans For medical reasons.I can not get Credit cards I was just approved for my first one because I just disputed so many things And they were taken off. There are about seven different ones for a XXXX XXXX that are paid and closed at XXXX dollars and exceptional payment history there is one that is the charge off and the past due amount it is {$11000.00} and it just says paid closed and 52 charge offs. This is the main thing that is killing my credit. Every single thing from XXXX XXXX except one is paid and is in perfect standing. This should also be in perfect standing like the others but it says there is that {$11000.00} that is due. The report number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is not my account. Please remove it.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To avoid fraud, I'm trying to place security freezes on my credit with the three bureaus. 
I've done this successfully with the other two bureaus, but Experian won't do it for me. When I fill out their online form, I get an error that they can't place a security freeze with the information I've given them.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On my XXXX and TransUnion credit reports it shows a bankruptcy from XX/XX/2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither XXXX, nor Transunion will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen

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 2020-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account was open for a home address and was charged an additional charges by mistake of XXXX. This caused a high an inaccurate bill every month. There were attempt made in XXXX to get the account credited and corrected. I was told a supervisor was going to handle this account. Two months later in late XXXX of XXXX the account was charged off and reported to the credit agency 's. I have sense paid the balances on the account to XXXX XXXX for XXXX. The account was promised to be removed from the credit report completely as part of the agreement to pay. But as of XX/XX/XXXX The account still shows as delinquent collected. Please remove the account from my credit report. The reporting in incorrect, negative, false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX on behalf of Kay Jewelers have sent me numerous emails over the past few days congratulating me for opening an account. I have replied to the emails that this is a scam and I never opened a card. I also called their customer service XXXX and they asked me to provide my SSN to be able to look up my account. I told them this is a scam and Im not giving my SSN out over the phone. They looked up my account by name and said they didnt have any accounts in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation