vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXXof month. Payment was not at any time past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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:
cra violation not mine inaccurate information sent ftc and po report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXX of month. Payment was not at any time past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation not mine inaccurate information sent ftc and po report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation not mine inaccurate information sent ftc and po report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
File Number : XXXX Date Issued : XX/XX/XXXX TransUnion refused to remove all UNAUTHORIZED CREDIT INQUIRIES! 
I have been in contact over the past 4 months and TransUnion keep turning me away.TransUnion will not do there job!!! 
INQUIRIES # 1 : XXXX XXXX- XX/XX/XXXX 2 : XXXX XXXX- XX/XX/XXXX 3 : XXXX XXXX- XX/XX/XXXX 4 : XXXX- XX/XX/XXXX 5 : XXXX- XX/XX/XXXX 6 : XXXX XXXX-XX/XX/XXXX 7 : XXXX- XX/XX/XXXX 8 : XXXX XXXX- XX/XX/XXXX 9 : XXXX XXXX XXXX- XX/XX/XXXX 10 :  XXXX XXXX- XX/XX/XXXX 11 : XXXX- XX/XX/XXXX 12 : XXXX- XX/XX/XXXX 13 : XXXX   XXXX.-XX/XX/XXXX 14 : XXXX XXXX- XX/XX/XXXX 15 : XXXX XXXX- XX/XX/XXXX 16 : XXXX XXXX- XX/XX/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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TN

Complaint narrative:
In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please read the complain before sending out an automated like response. I want a thorough investigation of my concern before I take a legal action. I don't want automated like responses, explaining how credit scoring works and how you can not disclose the credit scoring model. I am well aware of the procedure. If something in my report changes, my credit score changes. 

But my credit score has changed without any changes to my credit file. I want a detailed investigation from the bureau of what changed my score if nothing in my credit report has changed. Seems like credit reporting bureaus are practicing fraud and playing with average Americans life. 

I am attaching 2 images of my credit file, one its from XX/XX/XXXX and other from XX/XX/XXXX. As shown in the report, there are no changes to my credit file but still my credit score has dropped. I want answer to my specific question, of what caused the drop if there were no changes to my report.

If the bureaus has renewed one of my old debts to show as if it has happened just now, this is fraudulent activity as an old debt can not be renewed. 

I am in a process of buying a house and I will seriously consider a strong legal action against the bureaus if I don't receive a specific and detailed answer to my questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I spoke directly with the finance company to explain the current economic situation due to a bankruptcy that was happening and they helped me and they made an extension so that my credit would not be affected so that I could repair my credit and they still put late payments on me. credit and that made it go down more than ten points and it's not fair because I talked to them and they said k would not affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: HI

Complaint narrative:
Opened XX/XX/2017 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Information EOS CCA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance due is {$540.00} I was told when leaving the Hospital that there was no outstanding balance due because my health insurance covered the expense and all I had to do was pay a co-pay which I had done. I now noticed that they say there is still a balance due and it has been sent to collections, I have tried calling the creditor numerous times to understand and resolve this issue but have not been able to get in touch with them, and the voice mail message is for a different extension number. I am in need of help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to Equifax to try to get my credit score correct as I am a victim of identity theft since XX/XX/XXXX up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with Equifax the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX   card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also Equifax does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also Equifax is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
On XX/XX/XXXX I purchased a treadmill online from XXXX after reviewing the purchase the next day I decided to cancel the order. I could not get anyone on the phone from XXXX however I did respond the initial email from XXXX XXXX who thanked me for my purchase, I asked him/her return the purchase on XX/XX/XXXX. I received a bill in XX/XX/XXXX and it still had the purchase on it. I called XXXX and they said that they were in the process of returning the item and to disregard the bill. I receive an email from someone named XXXX XXXX on XX/XX/XXXX about the product and the company wanted to deliver, I told them that this product was suppose to be returned and that I did not need it. On XX/XX/XXXX the email was acknowledged and they said that they were forwarding my return request to their billing department. I yet again received another bill from XXXX in XX/XX/XXXX, I called again and spoke to one of their reps. I explained the situation and they waved the payment and said that they I should submit a dispute form. I mailed the form with the dispute info on it ( this credit company does not have a web page to dispute ). I received another Bill in XX/XX/XXXX, I called yet again and they said all they needed to do was process the return and gave me a different phone number. I called the other phone number and they processed the return. I called the original number and was placed with another rep, I explained the problem yet again and they demanded payment and hung up on me. At this point the product has been returned and my bill reflects this however the bill still states that I owe late fees and now they reported that I have late payments on my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to XXXX  to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX  and I have been writing your company endlessly and also writing directly to XXXX to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX  card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX  as they keep putting my information at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
ON XX/XX/2018, I RECEIVED TO LETTERS WHAT THEY CALL RESURGENT CAPITAL SERVICES, BUT CURRENT ONWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA AND PHONE # XXXX/ XXXX AND IS A SCAM AND NOT APPORVED BY THE XXXX. THEY STATE ON LETTERS XXXX XXXX, XXXX. AND XXXX XXXX XXXX OWNS THE FOLLOWING REF # XXXX. AND THIS FOR 2 FORMER CREDIT CARD.., ONE XXXX {$300.00} AND THE CARD XXXX {$600.00}. ON LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX. FOR YOUR INFORMATION XXXX XXXX XXXX IS IN XXXX XXXX XXXX UTAH. AND THEY ARE WELL KNOWN ON XXXX AND FOR YOUR KIND HELP.., THE FEDERAL TRADE COMMISSION HAD BOTH OF THE CLOSED DOWN.., AND SINCE THE XXXX XXXX XXXX IS NOT APPROVED BY THE SOUTH CAROLINA XXXX.., BOTH XXXX XXXX AND THE ABOVE ARE BOTH KNOWN AS SCAM.., I SIMPLY DESIRE FOR THIS TO BE REMOVED FROM ALL 3 CREDIT REPORT COMPANIES. 

RESPECTFULLY, XXXX XXXX E-MAIL.., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, In XX/XX/XXXX I submitted a dispute to Equifax ; to dispute items that was reporting incorrect on my credit report and to also dispute items that was reporting on my credit file that was associated with the Theft of my identity and Fraud accounts. 

With my dispute request I mailed in all supporting documents ( FTC report, policy report, IRS ID Theft report, and Department of Education notice ) In XX/XX/XXXX Equifax updated and corrected all the error ( s ) on my credit file. 

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable. After a week of requesting to unlock, unblock, and unfreeze my account. 

Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file. 

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before. 

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted in XX/XX/XXXX and the new items they combined with my True credit report ; that was on a second credit report due the ID theft Items Equifax deleted and repute on my credite file XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address reporting incorrect I never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX   XXXX XXXX XXXX NORTH CAROLINA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ok so I bought a XXXX vr system from Walmart.com and so I get the product but I decided that I want to return it because I didnt really like it so it turns out that its a merchant linked to Walmart.com so I checked the contents and a usb cable was missing to begging with so the merchant said how can that be? Im yeah I want to return it cause its incomplete but anyways I changed my mind about and I just want a refund and return it so the merchant says ok heres the rma # and I return it I also had to pay the shipping to return about {$29.00} dollars to ship it back so I talked to the merchant on why I havent got a refund and they said this to me that ITS NOT THE SAME PRODUCT THAT THEY SEND ME AND THAT THE SERIAL # S DONT match when Im fact I send the merchant exactly what the same item that I got so synchrony bank says there gon na look into it and I just got a letter from them saying that they cant give me a refund because I still got the product that the merchant sended me WHICH I SENDED BACK TO MERCHANT? So neither the credit card or the merchant want to give a refund what can I do? The disputed amount is {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Seterus Inc. Is the servicer of my mortgage. I was late one payment but i caught up. They are trying to say i owe 2 months and late fees and im behind 3 minths on my mortgage. I called and spoke with a representative by the name of XXXX who said it was an error and i would get a corrected statement. Never recieved it. They sent loan modification papers via fedex why. Im not behind. Called again spoke to XXXX XXXX stated that sorry was an error would get a stated showing corrected amount by XX/XX/XXXX. Never happened asked to speak with a supervisor was never given the opportunity but said supervisor XXXX XXXX would contact me never happen. But i recieved an intent to forclose on XX/XX/XXXX. Why my payments are up to date. 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 explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of Americas policy to stop all access of credit to manufacturers and distributors of AR and Semi auto rifle and magazines scares me. The thought that a large company can force law abiding citizens out of business for conducting legal constitutional business is wrong. BofA had no problem taking the tax money for a bailout but now wants to decided who can earn a living. BofA puts thousands of American jobs at risk. I think that BofA should be charged for the bail out and the government should cut ties with BofA.

Company response to consumer: Closed with explanation