vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 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: Conn's, Inc.
State: TX

Complaint narrative:
I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On my XXXX it shows that Navient originated a loan for XXXX XXXX XXXX in XX/XX/XXXX. It still just shows as originated- since XX/XX/XXXX. Was it supposed to be cancelled? Has it been repaid in the subsequent consolidation and they never updated the status? Is this the one their lender XXXX XXXX charged off in error since it was paid in consolidation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable  Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable  adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have contacted for proper validation of debt from XXXX XXXX XXXX and this is a final attempt through here. 
Account # : Unknown Amount : {$890.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with XXXX XXXX XXXX and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Amount {$500.00} I make payment on XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: GA

Complaint narrative:
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: GA

Complaint narrative:
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

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 2018-12-18 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: DISCOVER BANK
State: OR

Complaint narrative:
I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mills Escrow Company
State: TX

Complaint narrative:
This compliant is being filed on behalf of the lender against the servicing company Mills Escrow Company in XXXX XXXX Texas. 

We have several notes being serviced at Mills Escrow Company. 

XXXX XXXX XXXX sold a note to XXXX XXXX and we notified Mills Escrow on XX/XX/2018 that the note had been sold and they already have existing accounts for XXXX XXXX so that he was going to continue having them serviced at Mills Escrow Company. 

I sent several other emails in XX/XX/XXXX and XX/XX/XXXX and as of yet they have not transferred the account continue to to send us payment when we are no longer the lender and first payment was posted in correctly making the principal balance not correct per the amortization schedule. 

We have filed a complaint on two other issues with the with the Department of Savings and Mortgage Lending but were told that they could not handle our issue we would have to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA
State: OH

Complaint narrative:
During the time I have been repaying my student loans, a series of late payments were added to my credit report. During the time the late payments were added I was under no obligation to pay them back as I was a full time student at the time. I tried contacting XXXX time and time again with no response. I even hired a private company to address them which after 60+ days of no response I stopped my work with the company assisting me in fixing the issue. Ive tried numerous ways to fix this issue with the company and they have done absolutely nothing!!! 3 total student loans all stating multiple late payments, when in fact there should only be one loan not 3. Ive always made my payments and some when they needed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MD

Complaint narrative:
A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing  Group on XX/XX/2018.  However, they refuse to respond.  Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
Waypoint Resource Group called XXXX, and attempted to contact a person, who prior to 2012, had this phone number. Since XX/XX/2012, this number has been assigned to XXXX XXXX, who does not know nor is related to XXXX XXXX, the individual Waypoint tried to contact. 

Waypoint Resource Group needs to exercise more due diligence with respect to calling people with whom they have no business or reason to call. Whether or not this call was intentional or due to an error, it still translates into an invasion of my privacy. 

Please ensure that my phone is removed from their database and that I do not receive any more phone calls. 

Thank you, XXXX XXXX XXXX, NJ

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Innovis
State: WI

Complaint narrative:
On XX/XX/17, CBcinnovis, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened my Wells Fargo checking account last XX/XX/XXXX. At that time there was a {$200.00} promotion attached to the account after 3 direct deposits totaling {$1500.00}. This requirement was met by me but the bonus was not credited. I sent an online message inquiring about the status of the bonus and was informed that the bonus could not be credited because the bank was missing a form that they needed me to go into a branch and sign first. I went into a branch and signed this form. The bonus was still not credited and when I asked about it again online, I was told that I had not met the requirements. Frustrated with my Wells Fargo experience, I sent an online request to close my checking account on XX/XX/18. At that time, I had a balance of {$1500.00} in the account. A check was supposed to be mailed to home within 14 business days. 

When the check did not arrive, I sent an online message again inquiring about the status of my check and was told that I had to go to a branch to sign an affidavit. After signing the affidavit on XX/XX/18, I was told that because the branch manager was gone for the day, I would not be able to get my money that day and told to come back another day. I re-visited the branch on XX/XX/18 and was told that in order for them to process another check for me, there would be a {$30.00} fee for canceling the check that I had never received and that they would be unable to process my check that day. 

At this point, my Wells Fargo account has been closed for over 1 month but I still have not been able to obtain my own money from my own checking account. Further, not only did Wells Fargo not honor their promotion, they are now attempting to charge me fees in order to reclaim the money that I had deposited with them. Given their deceptive and highly unethical business practices, I felt compelled to file this complaint.

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 2018-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the " at-fault '' insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, " Well, it has your name on it now, so you will have to pay for it. '' I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc. 
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service. 
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law. 
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days! 
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ). 
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX  ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc. 

So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam. 

This " alleged debt, '' which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney 's General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit  bureaus. 
I just hope the CFPB can and will be able to do something about this company. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/2018, I opened a XXXX XXXX Preferred credit card. I paid the annual fee of {$95.00} on the first statement, in XX/XX/XXXX. I successfully used the card and there were no issues for some time. 

On XX/XX/2018, Chase shut down my credit card accounts. I called in and asked for an appeal, in which they opened an investigation. They completed the investigation on XX/XX/2018 and decided to keep the accounts closed. 

On XX/XX/2018, I called Chase to get my annual fee refunded in a pro-rated amount. I feel this is fair because the closing of my account came from a Chase decision, not my own. I only was able to use my card for 3/4 of the year, therefore I feel it's fair to pay 3/4 of the annual fee. I don't believe it's much of an annual fee if you don't get to keep the card for a year. 

I spoke with a frontline representative, and they declined my request. I asked to be transferred to a supervisor, which they did. The call, at approximately XXXX, ended with XXXX, a supervisor, saying he had no power to reverse or refund an annual fee. I replied that I felt this was unfair and asked if there was anything else in his ability to make this right, and he said he did not have authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened an HSBC Advanced Checking account was told before I opened it that I did qualify for the {$350.00} bonus. The bank closed out my first CFPB complaint claiming because i had a credit card with them already, i was disqualified, so they closed out my CFPB complaint. 

I am opening up another complaint because they flat out lied!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in Experian.

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 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed.

XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief