vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a last attempt before taking legal action on the federal level through the court system in the form of a lawsuit. I have file a few complaints with CFPB and disputes with Experian. I have received a letter from XXXX XXXX placing the onus of information change on Experian, and Experian 's dispute resolution process letter state that XXXX XXXX has updated information accurately. 

I have the law FCRA, Chapter XXXX bankruptcy, Letter of rescinded reaffirmation, complaints and disputes that show no progress has been made in this matter. 

The status of the account is NOT " open '' and nothing should be reported as " {$0.00} written off '' that is " charge off '' language. Also, the account should be positive, not " By XX/XX/XXXX, this account is scheduled to go to a positive status. '' This is Adverse Action Notification to defy the United Stated Bankruptcy law and FCRA that all debts discharged through Chapter XXXX can not be subject to what I deem as " double jeopardy ''. As well, in defiance of the law they have " Recent Balance : {$20000.00} '' while not trying to collect on a debt. Comments reflects my subsequent complaints that there is collusion to circumvent CFPB complaint process with statements in the comment section : " Account previously in dispute - investigation complete, reported by data furnisher. This item remained unchanged from our processing of your dispute in XX/XX/XXXX. Date of Status : XX/XX/XXXX ''. This is same information reported before and after the dispute. 

I would like CFPB to start the process of taking action of penalty against both corporations : XXXX XXXX XXXX XXXX and Experian. I would like to speak with a supervisor or manager to pursue this to the fullest extent of the law through your complaint process. I would also like a statement from the director and or your legal counsel. Also, I will be in contact with Judge XXXX and his clerk to see if he sees any legal impropriety to obstruct bankruptcy law. Therefore, once I have obtained all relevant legal information I will take under consultation to pursue the matter in the XXXX District of PA or the XXXX District of New York.

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 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 4finance US Holding Company, Inc.
State: UT

Complaint narrative:
I took out an {$800.00} loan with Zaplo loans. On XX/XX/XXXX I received a better interest loan from my credit union. I  contacted Zaplo, XXXX XXXX and requested a statement, since that is what my credit union required to pay off the loan. They needed the amount, the account number, and address to send the payoff check to. She said we don't have statements, which is odd. Even payday loans have statements. So I requested my loan agreement from her. She sent me a lousy spreadsheet with the amounts I would owe for the rest of the loan and what the payoff amount would be on XXXX  ten days from that date. It had the loan number in it and their address. So it was workable, we thought. The checks for my car payoff, another loan and Zaplo we're all sent on XX/XX/XXXX. May car received the check and paid off my loan on XX/XX/XXXX, my other loan for XXXX received payment and paid off my loan on XX/XX/XXXX. I have tried to contact their collections department, XXXX and their customer service department via email many times ( 10 at least ). The WILL not respond. They have not paid off my loan. The only response I received was from one rep who said they had changed my account to non-ach but I need to continue to make my payments or I will be charged late fees and interest. I tried to contact her back but she wouldn't respond!! I am at my wit 's end!! They have the check but will not credit it to my account. I refuse to pay two loans. One to my credit union and one to them!! Help?! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Ive disputed this debt numerous times with the three major credit bureaus, I HAVE ASKED THIS COMPANY NUMEROUS TIMES FOR THE CONTRACT IVE SIGNED WITH THEM, THEY HAVE FAILED TO PROVIDE, THEY WILL NEVER BE ABLE TO PROVIDE IT BECAUSE I NEVER SIGNED A CONTRACT WITH THIS COMPANY, THEY NEED TO REMOVE IT FROM MY CREDIT IMMEDIATELY BEFORE I TAKE LEGAL ACTION TO GET THIS RESOLVED. They also continue to send me statements that they ahbe printed off from god knows where with my NAME ON IT AND THE WRONG ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
My debt should be paid off since I have been paying it for 2 years now. I did the calculations with my statements coming up to this month. I have called numerous times and have left two messages. They have continued to ignore my calls and fail to call me back. My payments are on automatic withdrawal and it just keeps pulling. They will not communicate with me and I feel its a scam and they have collected so much money from me. XXXX XXXX XXXX in XXXX Virginia. They cant keep collecting money, not communicate and then if I cancel my card report that Im still in collection when Ive paid the full amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: AZ

Complaint narrative:
I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with Transunion an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to Transunion and XXXX. Never hear back from them. I recently called Transunion and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my 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 2019-12-18 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: AZ

Complaint narrative:
I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and XXXX. Never hear back from them. I recently called XXXX  and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my 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 2019-12-18 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: WA

Complaint narrative:
IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have spent time day and night working to resolve this issue this is my third attempt.

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 2019-12-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a Wells Fargo Secured Credit card back in XX/XX/XXXX. During this time, I paid off my credit cards on time, and without problems. I came into Financial Hardship when I was unexpectedly let go from my job as a customer service representative at an insurance firm in XX/XX/XXXX. I was unemployed for 9 months, and because of the fees attached that naturally carry a snowball effect, I had incurred charge offs/late payments on my account. I was unemployed with no source of income, no government assistance and almost becoming homeless on numerous occasions until XX/XX/XXXX. Beginning from my first paycheck at my new job, I began paying off the balance that was incurred and increasing every month from XX/XX/XXXX to XX/XX/XXXX, which went up to a total of {$560.00}. When I began paying my account, I was notified that they had already closed my account several months before in XX/XX/XXXX. They did not notify me of this information. I had communicated with the bank to try and negotiate some sort of pause on the account so I could pay off and maintain the account when I had access to funds via employment. Beginning in XX/XX/XXXX I began gradually paying off my debt of {$560.00} until the debt was completely paid off in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX. After trying to negotiate with Wells Fargo representatives to remove these late payment marks off of my account to no avail, I sent letters to all three of the main credit bureaus regarding this incident asking them to review my situation and to remove the late payment charge offs from this account. I sent all three bureaus letters in ( XX/XX/XXXX and XX/XX/XXXX ) demanding action to remove these late payments from my history be done. They did not take action, but only responded by stating they " reviewed my request ''.

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have spent time day and night working to resolve this issue this is my third attempt.

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have spent time day and night working to resolve this issue this is my third attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: IL

Complaint narrative:
i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job.

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only Equifax is showing a credit card from XXXX XXXX XXXX with status Charge Off at first i thought it was identity theft since i never opened up any credit card with XXXX XXXX XXXX but then after some time a bell rang and i recalled the card which was given to me as an authorized user.

In past 3 years i have filed multiple disputes with Equifax to remove this information from my report and it has been denied by Equifax they keep telling me information is correct i had the card and XXXX XXXX XXXX won't allow it to be removed I called multiple departments with XXXX XXXX XXXX with no luck getting this resolved on my own.

I am very frustrated at this point and not sure where to seek help as the credit agency nor XXXX XXXX XXXX is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities.

Please advice. 
Thank You Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I borrowed {$300.00} in XXXX. I previously borrowed money in XX/XX/2018, which I thought I had paid off. I '' ve been paying off the {$300.00} since XXXX. and I still owe {$610.00}. I called the company today ( XX/XX/XXXX ), and they said that my payments are going towards the principle. I will NEVER be able to pay the loan off this way. This is ridiculous. These places should be outlawed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job. 

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only XXXX  is showing a credit card from Fifth Third bank with status Charge Off at first i thought it was identity theft since i never opened up any credit card with fifth third bank but then after some time a bell rang and i recalled the card which was given to me as an authorized user. 
In past 3 years i have filed multiple disputes with XXXX  to remove this information from my report and it has been denied by XXXX  they keep telling me information is correct i had the card and Fifth Third bank won't allow it to be removed I called multiple departments with Fifth Third back with no luck getting this resolved on my own. 
I am very frustrated at this point and not sure where to seek help as the credit agency nor Fifth Third bank is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities. 

Please advice. 
Thank You Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notified this company via fax to XXXX in writing that I reviewed the terms and conditions of this credit card. After review of the fee 's I informed them I did not want this new card. I instructed them to close this account. The account is now being reported as late to the credit bureau causing damage to my score. If this account is not removed from my reports I will take any and all legal action necessary.

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank is reporting a credit card on my credit reports with a past due amount of {$1800.00}. This account is not my account. I was also told that this account has a social security number that does not match my last four digits of my social security number. Capital One and the credit bureau need to verify this information. I am also attaching an ID theft Report. I was also a victim of the XXXX  breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is not my account. On my credit report it showed up as a late account and damaging my credit score. I chatted with capital one and they said the last 4 digits of the social security number did not match to what was on this capital one card account. I have been a victim of the XXXX  data breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: ID

Complaint narrative:
Credit Protection Association in Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) has created a collections against me for services I have not used or subscribed for a company called XXXX XXXX. I contacted XXXX XXXX and they have no record of my information nor an account with 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 explanation
Consumer complaint received 2019-12-18 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: NV

Complaint narrative:
I am a victim of identity theft. This debt is not mines

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 2019-12-18 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:
I am a victim of identity theft. This debt is not mines

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 2019-12-18 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:
I am a victim of identity theft. This debt is not mines

Company response to consumer: Closed with explanation