vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

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 2018-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on or about XX/XX/17 this credit card was opened in my name Fraudulently in my name. I spoke with this company on several occasions with no avail to take care of this collection charge off debt in the amount of {$500.00}, I preferred to work with this company directly in resolving this matter but due to lack of response I have no choice but to sue my final attempt per my attorney under FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX, Capital One and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
As of XX/XX/18 I am writing to get help about Carrington Mortgage company sending threatening letters of foreclosure when I have all of my receipts. My attorney has called and we spoke to them on conference. Yet they are still sending threatening letters of foreclosure. I am writing to you to contact them to resolve this issue as I am going to speak with a judge to assist. They have breached their contract and this must stop today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian - Unable to reach a representative for months. Please help ... 
I keep trying. I needed corrections and to receive a report by download. I had fraud occur. Each time I use the phone system it will not let me reach a live Experian representative, instead the prompt indicating I am interested in a report suddenly with no warning just gives me a recording saying they have MAILED me a report - WITH NO OPTION TO SAY NO. Unbelievable. I can not receive a report by mail because there is chance of mail theft where I am. I did not receive the credit report after a month. I do not know who's hands it might have ended up in. I keep calling every number I can find on the internet and still the same Experian recordings and no amount of options get me to any person at all - NO LIVE PERSON AND THE WEBSITE WILL NOT ALLOW DOWNLOADS of report. I am in shock. The other credit bureaus like XXXX - no problem reaching at all. To add insult to injury - Experian sends me emails selling me their products but with NO WAY TO UNSUBSCRIBE to them. PLEASE HELP me contact this company! They should be legally required to respond to customers with live assistance. Are they not?

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 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I signed up for MoneyLion ( XXXX XXXX XXXX ). I was informed that my bank card was mailed to me on the XX/XX/18. 
via email. On the XX/XX/18, the Moneylion team sent me an email promotion about 12 days of Giving. The email stated/advertised the following. 

Hi XXXX, Want up to 2,500 points and 12 ways to win {$5000.00}? 

Then you'll love our 12 Days of Giving! Each day, we'll offer a new way to get points and enter to win a {$5000.00} gift card. Make sure your MoneyLion Visa Debit Card is activated and funded, because 12 Days of Giving starts soon! 

Learn more about MoneyLions 12 Days of Giving here. 

I was like this is a very cool promotion and very excited to be an member of this new and upcoming bank. So I waiting and waiting, checking the mail everyday. Then, I realized my bank card never came, so I couldnt activate my card and participate in the promotion they advertise. I sent Moneylion an email, letting them know I never received my card. Its XX/XX/2018. I still dont have my card til this day. I missed the promotion and I dont even know if this is a real bank or if they advertise this promotion to just get my information. I requested to speak to a supervisor and still waiting for a supervisor to email me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I let my son use my credit to purchase a vehicle. My son worked for the XXXX XXXX in XXXX, TX. In XX/XX/XXXX the XXXX XXXX start laying off people and my son was laid off. My son kept the vehicle to look for another job, but things were moving slow and after several months had passed the payments were not being paid on time. And late payment notices started coming in as more time pass. After the first week in XXXX more notices started coming in, calculation of surplus, amended calculation of surplus and then notice of plan to sell came in on XX/XX/XXXX, and the dealership took the vehicle back on that day. In the notice, the dealership said that you can get the vehicle back at any time by paying us the full amount you owe, the vehicle total was {$41000.00}. and they wanted {$39000.00}. they also said that they will sell the vehicle at a private sale. The monthly payments were {$640.00}. The dealership sold the contract to XXXX XXXX , XXXX for $ XXXXand this company sold the contract to CCB Credit Services for {$19000.00}. I am retired. I will fax info for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Toyota Financial Services dated XX/XX/2018 where in the Crux of the letter states that it has not received any unspecified required documentation and that they are unable to process my claim. 
On XX/XX/2018 I notified Toyota Financial Services of the total loss happening to a XXXX XXXX XXXX on several occasion I spoke with Representatives at Toyota Financial Services the dates are as follows XX/XX/XXXX XX/XX/XXXX XXXX the XXXX XXXX XXXX and multiple times throughout XXXX on XX/XX/2018 I was instructed regarding the claim number on XX/XX/2018 I spoke yet again with a Toyota Financial Services representative informing me  everything 's received in that was needed except for the premium warranty monies from the cancellation and that money is must be refunded in order for The Gap to pay out to Toyota Financial Services I want to XXXX XXXX XXXX request a cancellation of the warranties I am in receipt of those warranties that have been canceled and for those two Toyota Financial Services I've never received any communication from Toyota except for today stating that they may not be able to process the claim I've caught on numerous occasions and also filed a complaint with the Department of Insurance as well and the United States Attorney General and the California Attorney General along with the XXXX XXXX XXXX Toyota is a crooked operation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
I applied for a XXXX  position with XXXX XXXX in XX/XX/2018. I was deemed ineligible for employment due to a criminal charge that does not belong to me. The criminal charge is that of my twin brother. I am in XXXX XXXX and have been for the last 13 years. There are also some addresses in which have never been a place of residence for me. As of right now there is false and inaccurate information with their findings and it needs to be corrected ASAP. I also states on the report that my former name is that of my twin brother. I have never had a name change and again this information is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I am filing a compliant against DIVERSIFIED CONSULTANTS INC # XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that DIVERSIFIED CONSULTANTS INC ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate DIVERSIFIED CONSULTANTS INC. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/18 this account was obtained fraudulently on my consumer credit report in the amount of {$320.00}. As a collection and charge off .I have corresponded with this company on several occasions to delete this info for it is not mine and this account meets FCRA requirements per my attorney. this information has been taken of my XXXX report so the others should take it off XXXX and 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 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp
State: TX

Complaint narrative:
I have requested over two years ago that CAC Financial Corp provide the legal documentation of what I owe and never provided ( via postal mail ) within the 30 day time period. I was able to get XXXX to remove this, but XXXX will not. CAC Financial Corp has also never disclosed to me that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
this collection was put on my credit report on XX/XX/16 this is not my debt I have corresponded with this company on several occasions with no avail to remove this account of my consumer credit report it was obtained in fraud and sent to collections for {$72.00}. this has ruined my family 's ability to obtain credit in the future I have been turned downed. and it meets FCRA regulations per my Attorney XXXX and XXXX  already have taken it of there reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: OH

Complaint narrative:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed with Equifax the collections claim from XXXX XXXX XXXX and they resolved the dispute in less than 30 days with not documentation from XXXX XXXX XXXX to prove the claim. They sent me no postal mail and said I had to re-enter a dispute. They only had results and legal documentation to backup their results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
on XX/XX/15 this account was taken out and reported on my credit file as derogatory information, a collection account in the amount of {$130.00} I have corresponded with this company to resolve this issue on several occasions with no avail to take care of this complaint that I have no knowledge this meets FCRA regulations per my attorney. this was a final attempt before law suit per my attorney. XXXX XXXX has already taken it of my consumer 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 2019-01-01 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX reported my mortgage as being late 6 or more months which has a derogatory effect on my credit score. They need to correct it NOW and quit reporting false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX- US Bank trying to pass an XXXX charge to XXXX   XXXX when the charges were never reflected to present time XX/XX/XXXX to be repaid. Nor reflected for IRS as Escrow is. The Mortgage dept at US Bank failed to give me appropriate time to pay, never reflected in on-line statement each month for repay, nor in letter closing the mortgage in XX/XX/XXXX stating my new monthly payment with XXXX- nothing more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank checking account was opened XX/XX/2018 under the " Earn {$300.00} when you open a new checking account '' promotion. The terms of the promotion are to " make a deposit of {$15000.00} in new-to-Citibank funds '' and " maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days ''. The account was funded with {$15000.00} XX/XX/2018 at XXXX PT as shown on the deposit receipt. The terms of this promotion were met, however, the promotion was not credited as promised.

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 2019-01-01 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: AES/PHEAA
State: FL

Complaint narrative:
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

Pennsylvania Higher Education Assistance Agency Account # : XXXX Account ID : XXXX

Company response to consumer: Closed with explanation