vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Vouch Financial Inc.
State: FL

Complaint narrative:
I finished paying my loan in full over 3 months ago to vouch financial. After numerous calls I get no assistance and answers why the keep reporting this account as open. This is hursting my credit scare and credit worthiness. Furthermore, Vouch is in violation of the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.

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 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Tucker Financing Inc.
State: FL

Complaint narrative:
I have purchased several buy here pay here cars. During the time that I was making payments in a timely manner this was not being report to the bur bureaus, I had XXXX cars repoed due to mechanical issues, I could not afford to make payments, insurance and repairs. when my car was repoed it was immediatley reported to the bureas as bad credit. My questioions is why snt the bureaus was the bureaues notified of my timely payments. This is very poory business pratice is this legal? 
I want a seetle for the hardship of incorrect reporting to the XXXX bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not 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 explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The courts are reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not report or verify that information to the Credit Bureaus. That information was pulled by a Third Party and they reported it. After disputing it with Trans Union they claimed it was verified by the US Bankruptcy court which is a blatant Lie, therefore this must be deleted from my report immediately.

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 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
Enhanced Recovery Company is in violation of the FCRA, Frank Dodd Act and the FDPA by continuing to report a collection item that was paid in full directly to XXXX in the amount of {$690.00} on XX/XX/2017. Enhanced Recovery Company is asserting that I owe a shadow debt in excess of $ XXXX.This account is paid in full and is still reporting as an open collection on my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EMPIRE MEDIATION SERVICES LLC
State: NC

Complaint narrative:
Company called Empire Mediation or Empire Financial ( they reported they are known by different names ) repeatedly called my work phone stating that a debt is owed and that legal action will be required. They did have my name and last XXXX digits of my SSN. Problem is, I have no unpaid debt. They refused to give me an address for their company, stating that they are located in several different states. When I started asking questions, they told me that I sounded like someone that has a ton of debt. They hung up on me multiple times, and when I asked to speak to a manager, it was conveniently a manager that had answered the phone. They also told me that they had sent three certified letters, and that they are not allowed to send out any more per company policy. They told me to Google their company, which I had obviously already done, only to confirm that this is a scam. I know some people may be scared into paying this debt due to the caller threatening legal action, so I want to make sure others are warned of this bogus company.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have owned a XXXX dividend reinvestment account for several years. This year the administering agency ( XXXX ) sold the account to Wells Fargo Bank. When I tried to retrieve my 2016 XXXX for this account from Wells Fargo, I was presented with an on-line agreement to waive my rights to receive hard copy tax documents in order to access my XXXX. I have been advised that this agreement violates existing federal law, and I consequently refused to sign the online waiver. Your assistance is requested to force Wells Fargo to provide me with hard copies of my annual tax documents free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: NM

Complaint narrative:
I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.

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 2015-08-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Internal Check Systems, LLC
State: NC

Complaint narrative:
I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??

Company response to consumer: Untimely response
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: NV

Complaint narrative:
First Mortgage Corporation advised me of transfer of loan per letter dated XXXX XXXX to XXXX XXXX XXXX. I was instructed to send XXXX/XXXX/2015 payment to XXXX XXXX. Once I contacted XXXX XXXX I was advised payment not due until XXXX/XXXX/2015 so authorization for semi-monthly ACH drafting was set up to begin XXXX/XXXX/2015 per confirmation letter from XXXX XXXX. I also sent XXXX XXXX a half payment in XX/XX/XXXX. First Mortgage advise no payment received per letter dated XXXX/XXXX/2015. On XXXX/XXXX/2015 I contacted First Mortgage & XXXX XXXX to resolve CONTRADICTING information I was advised XXXX XXXX was unable to transfer my funds they received in XX/XX/XXXX to First Mortgage instead they would have to refund to me then I could proceed with payment to First Mortgage once funds received.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied and was approved for a Barclay Gold Card in XX/XX/XXXX because of the very generous benefits they offered XXXX Military ie waived {$990.00} annual fee, 0 % APR, etc. Shortly after the holidays, earlier this year, I was notified that Barclays was no longer going to honor waiving the {$990.00} fee and if my account wasnt closed prior to XX/XX/XXXX, I would be assessed that fee. I feel as if Barclays baited me into a great deal and then pulled the rug out as soon as i was approved and began using the card racking up a balance over the holidays. I now have a balance on a card that i need to close within the next 6 months or else i will incur a {$990.00} fee that I am not prepared to pay. I would never have applied for this CC if i knew i would have to pay a {$990.00} fee.

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 2016-02-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commercial Recovery Systems
State: FL

Complaint narrative:
Company re-aged an account as a new debt reporting and claiming for XXXX. Once I advised I have not been in medical facility since XXXX, the date was changed to match my statement. I have disputed thru credit bureaus. However, it continue to stay in my file without providing me with documentation. I request full validation including copies of insurance XXXX to provider where it shows I am liable for payment. I believe that all my liabilities -copays and coinsurance-were met at time of services as required by the facility in XXXX. That was until this account appeared in my credit report in XXXX. The collection agency has refused to provide additional information by not responding to any of my multiple requests.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Automotive Funding Group, Inc
State: CA

Complaint narrative:
my car loan company County financial is charging me {$2000.00} more on interest even when I have send an extra amount for late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: TN

Complaint narrative:
This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!

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 monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.

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 monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates
State: TN

Complaint narrative:
I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Rubin & Yates, LLC
State: MI

Complaint narrative:
I 'm not sure which above complaint to file under. I 'm getting calls from a company named Ruben & Yates trying to collect a loan for a company called XXXX. the persons name is XXXX XXXX and he states i took out a loan and owe {$1100.00}. He stated that they 've sent me letters but going through my records I bave no letters from them. I have no information to contact them from besides a phone number. I reqquested him to remove XXXX phone numbers that I ca n't be reached at and also requested to be sent a copy by email and mail of what the debt is and what it pertains to. When I requested to have those things he got upset and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you

Company response to consumer: Closed with explanation