vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 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: IN

Complaint narrative:
ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! 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 2017-10-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Sent Equifax letters for public record removal and also accounts that were listed that are not mine. They have my name listed wrong on my report and i cant get into the online dispute tool. All of the questions that they ask do not pertain to my credit file so how am i constantly locked out. They removed the XXXX bankruptcies and added them back. THEY ARE NOT MY BANKRUPTCIES. I have only lived at XXXX of the addresses that are listed also. I work late and dont have time to call in and dispute this info by phone. There are also multiple inquiries that were not obtained by running my social security number but someone elses that they have mine mixed up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX 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 2017-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks

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 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Source /XXXX is calling my cellphone numerous times. When I try to tell them about this so call XXXX debt. They turn into the worst unprofessional abusive reps. I can not put into words. One even do n't worrying I will add it to credit report. I consider that a real threat since our world is credit base. 
Also I have written a letter to higher management regarding the abuse. 
I am XXXX. I can not take this type of treatment. My doctor told me I am stressing on this issue. 
I live off of Social Security. Trying my best also to take care of a mother with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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:
INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT

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 2017-10-04 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: CA

Complaint narrative:
please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings experian, XXXX have been reporting it, please help me to have them removed from their reports thanks

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 2017-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.

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 2017-10-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX, and I am a recently former consumer of Portfolio Recovery Associates. I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX.. 

Upon speaking with several supervisors I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably it is still reporting as an open collection with a balance due of XXXX I have received my Paid in Full letter as of XXXX/XXXX/XXXX. However, due to the conflicting information from Portfolio Recovery supervisors and staff, and given the treatment from the staff at your company in regards to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: SC

Complaint narrative:
I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: CHECK INTO CASH INC.
State: TX

Complaint narrative:
on XX/XX/XXXX I was on XXXX XXXX and noticed an inquiry that I did not authorized, from XXXX XXXX XXXX. I immediately called the company and was told it would be 30 days to get a response. I filed a fraud alert with XXXX XXXX police department report number is XXXX. I kept calling the company, no response from fraud department. I emailed XXXX and have not heard back. It is now XX/XX/XXXX and the company has done nothing to help me. I did put a freeze on all my credit via fraud alert. 
Can you, thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
During the hurricane Irma, from XXXX thru XXXX We did n't have internet service to access on my BBT account. The mobile app shows error all the time. I lost counting how much money I have on account and the first fee come on XXXX, I went to the bank and I ask them to freeze the account because I do n't have money on my saving to transfer and cover the balance. It was lips service that they will do something. 
I am old customer from XXXX and I forgot that I have overdraft protection. They charge me for overdraft protection but I do n't have benefits from that, looks like double dipping. 

From that first overdraft fee I was NUMERUS time to ask them if they can do something to stop that account collecting charges and fees. I explain to them that my business is under construction it does n't make money like in normal days, I am divorced I have a small child and it is happened that I am tight with money.I try to cancel everything what is connected with that account and still pop-ups some charges, the situation is ongoing, every day the new fee is coming and I cant stop them.ThXXXX more they coming, the more I am falling in hole.The XXXX does n't budge works for them, why to stop. 
I have to mention that XXXX is my second language and I apologize for mistakes.

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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the Equifax data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.

Company response to consumer: Closed with explanation