vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was contacted by XXXX XXXX from XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the American Express Debt. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this American Express Debt. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NRA Group, LLC
State: NV

Complaint narrative:
I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

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 2019-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I entered into a lease on XX/XX/2016 with Toyota Motor Credit. A year later I purchased a home and was informed by my lender that the interest rate for my loan was high. I reached out to Toyota and discovered a Class Action Lawsuit charging that XXXX and XXXX  where targeted with higher interest rates, after filing an eligibility form with Toyota I was excluded from the class action. I met all required criteria : 1. I am XXXX. 
2. I was charged a high rate of interest when my credit score was excellent. 
3. I purchased the vehicle on XX/XX/2016. 

I should not be excluded and I wish to pursue a complaint against Toyota Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: OH

Complaint narrative:
PENN CREDIT CORP # XXXX****THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH PENN CREDIT CORP OR I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
LVNV Funding, LLC aka Resurgent Capital Services and through their collector XXXX XXXX XXXX XXXX are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
I refinanced my student loan with ACS ( now Conduent ) in XX/XX/XXXX. I have been making payments of {$350.00} ( amount due each month {$300.00} ).  Normally I get a 1098-e notification in XXXX. I didn't this year. This week I tried to prepare my taxes. I went to the website where I found out the name change. 

I was able to login on XX/XX/XXXX but when I tried to access any information about my loan amounts it was empty. When I tried to find a 1098-e to download it didn't have one. I left a request for customer service. I didn't hear anything either by phone or my email. 

On XX/XX/XXXX I searched for customer service phone numbers because they aren't on the website. When I called all 3 published numbers available on the web, they were disconnected. When I tried to login on the website their message was that they no longer service my loan. 

I have received no information about a transfer of my loan. As the permission I gave to the company to deduct my payment is no longer valid, I have stopped payment for future payments with my bank. I don't want to be arrears for my loan which could easily be solved if I knew who my current loan owner is. I also really need the 1098-e form for my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX and I have similar names and lived next door to XXXX another. Experian and XXXX both reported a bankruptcy that belonged to my father. I sent the information to the bureaus proving this fact with both my fathers ID and mine. XXXX  immediately corrected the issue Experian did not. Experian sent me a letter stating that they had verified with the issuing agency ( The court ). So I went to the court. Received a letter from the court stating they did not verify the information and that it was the wrong person. Still Experian would not remove it or give me the proof I asked for as to how they verified 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 2019-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
YOUR COMPLAINT I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. XXXX XXXX XXXX my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.I have asked Select Portfolio multiple times for correct information on this trust and only receive a reponse back about who owns the trust. I need actual information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove to me that this trust still actually exists. According to my research and in talking with reps from XXXX XXXX as well as XXXX XXXX, i can't get anybody to show me recent records of this trust. In my mind it doesn't exist and I dispute the legality of Select Portfolio Servicing actually collecting on it. I would imagine sind the are representing XXXX XXXX in collecting for this trust that they would know all about it and be able to show me evidence so that I could get this mortgage back on track with a peice of mind that my money is going where it should. If you look at my earlier complaints and the response I have gotten from Select Portfolio you will see they refuse to give me the exact information I am asking for. 
The foreclosure date of XX/XX/XXXX should be cancelled and they should give me what I need to get things moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: TX

Complaint narrative:
I was a victim of fraud someone used my credit card fraudently in the amount of around XXXX dollars in XXXX of XXXX. I disputed this amount to the issuer with a police report to the issuer to no avail. The account issue is XXXX XXXX XXXX I then disputed it with all 3 credit bureaus to include transunion. I sent certified letter on XX/XX/XXXX to which i explicitly used my rights under the fair credit and reporting act. A copy of police report as well as copies of documents verifying my identity. Tranunion removed the credit account entirely in XXXX of XXXX. On XX/XX/XXXX tranunion readded it back to my credit report. I called Transunion at that time and spoke to the dispute center. The account added back was reporting a {$0.00} balance. As of XX/XX/XXXX transunion has now reported late payments and missed payment as well as an incorrect amount on my credit report. The fair credit reporting act states that condumer reporting companies will block fraudulent information from appearing on my credit report. I sent a copy of a theft report as well as letter telling tranunion what information was fraudulent. You accepted my report and removed all information regarding the issuer from my credit report. The information I sent stating that the charges were not authorized and did not pertain to any transaction I made was true and correct. I am asking transunion to remove the inaccurate information off of my credit report as it violates the The Fair Credit Reporting Act

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 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I closed on XX/XX/2019. 

1. Stearns/XXXX have determined that I have overpaid {$310.00}. They sent me a letter saying a check for {$310.00} was attached to the same letter, but I did not find a check in that envelop. 

2. Closing costs include payoff of 3 credit cards -- XXXX {$400.00}, XXXX XXXX XXXX {$32.00}, XXXX XXXX {$100.00}. As of today, the title company has neither paid these credit cards out of escrow, nor did I receive a check for the sum of these three amounts. The title company is in the same city as my mailing address. 

I contacted Stearns, XXXX, title company. No response from Stearns, XXXX. Title company initially told me to wait, and then stopped replying to my email. 

-- I am attaching two documents. 

Document 1 - shows a credit to me in the amount of {$310.00} but I still do not have this. 

Document 2 - on page 2 of the PDF, there are three lines listing the credit card payments that I have already deposited into escrow.

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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This is a violation of the FCRA Section 609 ( a ) ( 1 ). This debt has been illegally reaged according to the original creditor 's date of first delinquency. I am attaching documentation with the DOFD and a copy of my report that shows that the debt has been reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
We have attempted to open a savings account at a Boeing Employee Credit Union ( BECU  ) at this address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. We have attempted to meet with them and made phone calls to the branch manager on XX/XX/2019. They will not do so until my wife produces a Social Security Card, they claim it is proof of identity, yet on their web page they state they only need a social security number for tax purposes, which she does have and has provided. We have requested a replacement SS card for my wife, but it will take some time to arrive. This practise seems illegal and I am concerned they are requiring it because she is XXXX. She does have a valid Passport and Washington State Driver 's licence, they would not accept those forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: URS Holding, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX  aka XXXX XXXX XXXX  and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
PRA is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/ 2019 in attempts to make a payment to the car lender REGIONAL ACCEPTANCE CORPORATION, my payment was denied due to lender refusal. During that time, when I attempted to speak with the lender and use their automated payment system to get this issue resolved, again my payment was refused. The last time the lender accepted my payment was XX/XX/ 2019. Since this date, the lender has not only compounded interest daily on my account, but also has called twice a day, everyday, for the past 30 days to ask when the new amount with the compounded interest would be paid in full. Many of the phone calls have been very demanding and intimidating - threats of vehicle repossession. As of XX/XX/2019 the original amount due was XXXX {$440.00}. However, today on XX/XX/, 2019, the amount due is XXXX {$1400.00} with interest included. I am reporting the company REGIONAL ACCEPTANCE CORPORATION as a predatory lender because they are not only difficult to work with, but also I suspect racketeering. Additionally, not only do I have statements showing my payments made on XX/XX/XXXX and XX/XX/ 2019 were rescinded ; but also I have photos of a recent online payment made the evening of XX/XX/, 2019 being refused as well.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
XXXX is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Both the collections accounts on my report or not valid they are supposed to have been paid by alabama medicaid and were obviously billed wrong. I have tried disputing them around XXXX and XXXX last year but keep reporting now im being turned down for a mortgage due to medical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo Bank repossessed my late wifes car on XX/XX/XXXX and sold at a private sale on XX/XX/XXXX for {$4700.00}. 
The XXXX XXXX value for this car : XXXX XXXX XXXX XXXX {$7900.00}. 
I think Well Fargo is involved in unfair, deceptive, false and racism. 
During the time period discussing the fate of the automobile, several Wells Fargo agents were found to be quite disconcerting and negative.They sold the car for only {$4700.00} which I think is false. I have demanded a copy of the private sale

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 2019-03-16 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: Advance America, Cash Advance Centers, Inc.
State: OK

Complaint narrative:
I have been loaning with this company for several years. They have consistently held my check for 14 days after the due date to renew the loan. Suddenly, without warning, they claim they are no longer allowing checks to be held past the due date. They never informed me of this, and I have always made it clear that I extend it for the next pay period after the due date, and they never have a problem. Now they are threatening to deposit my check and cause me major problems with my bank.

Company response to consumer: Closed with explanation