vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern : The creditor XXXX/XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. XXXX failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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 2017-07-10 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: MA

Complaint narrative:
To Whom It May Concern : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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 2017-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I was contacted by a company called XXXX telling me I had took out a payday loan. I told the lady no I did not and told her someone must have took my Identity. She told me to file a police record and send it to her as I was asking questions and telling her I had not lived at the address that was on the loan in 8 years she up told me you know you took this loan out and you need to pay it. I told her no I did n't and she hung up on me. I files identity theft online and got assigned case number XXXX.I got assigned a detective XXXX XXXX with the XXXX Financial Crimes XXXX. his email XXXXXXXXXXXX.The detective contacted XXXX and got of the information concerning this loan in which he stated was a pay day loan. The information I have received about this has been though the detective not the XXXX.I have found out that there was a company called XXXX XXXX used as a place of employment, XXXX XXXX XXXX used as the bank plus a phone number XXXX.This loan from what the detective has told me was taken out on line IP addresses are not in texas. Things were quite until XX/XX/XXXX when a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX hit my credit requesting a credit report I never authorized. I called them up asking them why and who they were the man tells me he is a collection company and his customer was cash central that 's first time I heard that part.I did research and found out cash central is part of community choice financial located in XXXX Ohio XXXX.Their rep called the detective and he told her he had been waiting on more information from them and the bank used along with giving this XXXX no last name the case number. Community Choice Financial continues to have collection companied call me threat me. A company called XXXX XXXX XXXX threaten me over my assigned company number which I had given to XXXX at Community Choice Financial to help get this issue solved but she forwarded it to XXXX XXXX XXXX XXXX in which he gave me a false name on XXXX XXXX. I filed with the Federal Trade Commission and sent that info to Community Choice Financial. They have the case number for identity theft report. Today after I sent the letter again to community choice financial they want me to send them an Affidavit notarized and my government ID They did not take any type of id for this online loan from my understanding and with all these emails with Name last name people and false names I do n't trust sending them my information. When I filed Id theft I did not even know any information cause I have got nothing from cash central or any of the names companies in this report. All my information has came from the detective. I just want them to stop and I want a rep of theirs to come see me with the detective Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
To Whom it May Concern : In XX/XX/XXXX I requested a home modification with Citimortgage and was granted a modification in the amount {$1200.00}. In XX/XX/XXXX my husband and I filed for bankruptcy and although I was able to make the modified mortgage payment I knew that in XX/XX/XXXX the full rate and term would apply so I again applied for a modification to ensure that I would be on a better path financially and able to keep my home. In XX/XX/XXXX, I was granted a rate and term modification. The rate I believe was 3.5 % and the term granted was a 40yr loan in the amount of {$1800.00}. I began making the three-month trial payments and I signed off on my loan modification documents that were sent to my attorney. I was advised that the modification had to be approved by the bankruptcy court but to continue to make payments. Since XX/XX/XXXX I have been paying the amount agreed upon with Citimortgage. In XX/XX/XXXX, I discovered that the modification had not been approved by Citimortgage in the time requested and that I was now in default. <P/>I was advised by Citi to reapply for a loan modification using the Making Home Affordable application which I did on XX/XX/XXXX. Since that time I have resubmitted the application countless times along with over 85 email submissions with documentation including income, bank statements, explanations of deposits, explanations of income, explanations of condo fees, proof of insurance, tax documents, etc ... Every single time I submitted a document Citi mortgage would request something new. Additionally, Citi Mortgage has provided me with over 10 different Single Point of Contact/Homeowner Specialist. <P/>Today, I spoke to XXXX XXXX, Single Point of Contact for Citimortgage. He informed me that my application for modification had been denied. He stated that the Underwriter was not able to approve me Making Home Affordable application because the program ended in XX/XX/XXXX. I asked him how could that be possible since I have been in this process since XX/XX/XXXX. As recent as XX/XX/XXXX and XX/XX/XXXX I received letters from Citi Mortgage with the Making Homes Affordable application attached. If the program ended in XX/XX/XXXX why would they continue to send me applications after the program deadline? XXXX also stated that the underwriter tried to place my modification through another program and found that I was ineligible for it. <P/>Citi Mortgage gave me the run around for almost two years and it was n't until I threatened to file a claim with CFPB that they moved forward and denied me. It is my feeling that they did this knowing that I would have no recourse and they could step in and foreclose on my home. They are offering me no remedy after asking me to submit hundreds of documents.

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On X/XX/17 I sent XXXX XXXX XXXX XXXX, Transunion LLC and XXXX a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On X/XX/17 I received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XXXX, Transunion and XXXX, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way for XXXX, Transunion or XXXX to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my XXXX, Transunion and XXXX credit file permanently.

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 2017-07-10 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: AZ

Complaint narrative:
OnXX/XX/XXXX I sentXX/XX/XXXXCredit Information services, XX/XX/XXXXXXXX and Experian a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On XX/XX/XXXXI received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XX/XX/XXXX, XX/XX/XXXX and Experian, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way forXX/XX/XXXX, XX/XX/XXXX or Experian to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from myXX/XX/XXXX,XX/XX/XXXX and Experian credit file permanently.

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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX while receiving treatment for an one the job injury by XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX, I was placed in a splint supplied by the clinic. Some time after that I received a bill from XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX for the sum of {$60.00}. I spoke to the office manager, XXXX, at XXXX, and she contacted the billing department at XXXX XXXX and informed them this was a Workers Compensation Claim and not to bill me. The last time she spoke to them wasXX/XX/XXXX at XXXX. She told me at that time that is was all taken care of and I would not be billed as this was all taken care of by my employers Workers Compensation Insurance. I received a letter fromXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Texas, demanding payment of {$31.00} on behalf of XXXX XXXX. No explanation is given for the claim but I had no other business with XXXX XXXX. Since they have been warned on several occasions that this is a Workers Compensation Claim I am inclined to suspect that XXXX XXXX and XXXX XXXX are attempting to commit fraud by coercing double payment on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX   XXXX ,  2016 I used Equifax automate d system to dispute  XXXX  instances of a late payment. I tried several times to follow up : by phone, by email " direct link '' and by forums for people who are coping with how to deal with Equifax. Every phone  call  leads to a loop : you 're directed back to the website. There website is never updated. There is no option to leave a voice message. There is no option to speak to a live person. There is no way to get through. I just want an answer to my confirmation number  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.

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 2017-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - please help.

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 2017-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Credit continues to contact me at a work number that I have asked to not be contacted at, as per the company that I work for does not allow personal phone calls. XX/XX/XXXX - I spoke with XXXX as he called my work phone number. I advised XXXX that I was not allowed to have personal calls at work. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that he would need to call our cell phone. XXXX stated that my work number would be removed. XX/XX/XXXX - Spoke with another agent XXXX, as they called my work line. I immediately advised that the number they were calling was to be taken out of the account as it was a work number, and I am not allowed to have personal calls on that line. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that I have asked to have the number removed. XXXX stated that my work number would be removed. XX/XX/XXXX - XXXX from Ford Credit called my work number and had spoke with a co-worker letting my co-worker know that she needed to speak to me that she was calling for a personal matter. I immediately asked why they were calling my work number as I have asked twice that they not call since I can not have personal calls at work. I was told that she was unable to reach my husband on his cell phone so they could call me at work. I advised that this was against the law since I have already asked twice for my work number to be removed and my request have been disregarded. I did let the representative know that I will be sending a complaint and asked that my work number be removed. The representative stated that she will remove my work number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021

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 2017-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk

Company response to consumer: Closed with explanation