vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 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: GA

Complaint narrative:
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX ( XXXX  XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX  has deleted the incorrect account. Experian and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX  XXXX XXXX  sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ZWICKER & ASSOCIATES
State: CO

Complaint narrative:
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
Zwicker + Asscociates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I tried to purchase tickets for a concert on XX/XX/2018 for {$280.00} from XXXX. I waited until XXXX and never received the tickets by mail or on my phone. I cancelled that purchase and asked for a refund on my credit card. I repurchased tickets again in XXXX for {$410.00} that purchase DID go through. XXXX has stated the email for first purchase was wrong, but will not refund my {$280.00} due to their policy. I feel I should not have to pay for anything I did not receive. My credit card company stated they have not received a credit ticket from XXXX so will not remove the charge from my card.

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 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website. 
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.

I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer. 
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: SD

Complaint narrative:
On XX/XX/XXXX I loaded my card through XXXX XXXX for the amount of XXXX dollars. I have never received the money from card.com. I have have called both XXXX XXXX and card.com and the issue has not been resolved. I do have a tracking number and verification that the money has been received to card.com from XXXX XXXX, they still will not refund or explain where my money is. They continue to tell me in 48 hours I will have a resolution and it's been sent to escalations but absolutely no follow ups and my money is still missing. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I regularly check my credit report via XXXX XXXX, i continue to see old credit accounts that have been paid off but still show on my credit reports and continues damage a once good to better CREDIT SCORE AND IS TROBLING TO CONTINNUALLY GET TURNED DOWN FOR A LINE OF CREDIT OR LOAN TO PAY OFF MY CREDIT DEBT I AM RUNNING OUT OF OPPORTUNITIES TO ELIMNATE THIS CAN YOU 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 2018-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
At the time I leased the car, I took out two insurance policies offered by Toyota Financing through the dealer XXXX XXXX. One was for maintenance and the other was titled " XXXX XXXX '' which was supposed to cover things like windshield chips, dirty carpets, dents in the car etc. Two weeks before the car was supposed to be turned in ( XX/XX/XXXX ), I went to the dealer to see what was covered by the insurance and what wasn't. They had me come back the following week ( XX/XX/XXXX ) to see " the guy '' an outside contractor, to inspect it. He read the insurance coverage and said I was good to go. I turned the car in the following week, XX/XX/XXXX. No I am getting calls from Toyota Financial saying that I owe {$850.00} for excessive wear and tear. I asked what it meant and they couldn't tell me. I went to the dealer and showed them my policy and asked them what it meant and they said " excessive wear and tear ''. No further explanation. I went to the XXXX site and the " excessive Wear and Tear Policy '' The only damage to the car was a chip in the windshield and a minor ding in the back bumper. These were pointed out to the " guy '' who looked at the policy and said it was " good to go ''. 
Additionally, they never honored the maintenance policy saying every time I went that the service being done " wasn't covered ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. 







Please be advised this is my SECOND WRITTEN REQUEST. 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? 

Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP
State: CO

Complaint narrative:
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
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 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sent me a letter dated XX/XX/2018 saying that they were going to charge me for insuring my apartment. The letter acknowledges that I have homeowner 's insurance already but says it has to purchase it for a past period. 

Citibank does not claim it actually purchased insurance for me, it says it is going to purchase insurance and charge me {$100.00}. 

As everyone knows, no insurance company will ever pay to insure a period of time that has already ended. So, it is impossible for me to purchase insurance for that period. It is also impossible for Citibank to purchase insurance for that period, but they still plan to charge me {$100.00} even though they will not actually buy insurance with that money. 

I called Citibank today and they said the letter was valid and they are going to charge me {$100.00}, even after I explained the situation.

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 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. 

I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a personal loan with Wells Fargo on XX/XX/XXXX. I was pre-approved so I proceeded with the application process. Wells Fargo sent me a notice to upload my XXXX XXXX & most current paystub. While uploading that info I accidently up loaded other tax documents that was I was not asked to send. I tried to cancel but it did not work. I called to speak with a loan specialist and was treated very unfairly. This lady was way out of line. She told me she was going to call my employer about my tax write offs. This is none of her business nor the my employers. I called to complain about the incident and the way I was treated and was assured that it would be handled and she would not be handling my loan request. Well she called my employer and my loan was denied based on the info that she shouldn't have even received. They deducted last years tax deductions from this years salary. How is this fair? My situation is different this year. I'm so embarrassed now that all my co workers no my financial situation and how can they base their decision on something that was not even required to obtain the loan. I have had this account for years and I am currently looking for somewhere new to bank. Shame on Wells Fargo for treating my like this. I have been humiliated and treated like a criminal or something.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Risecredit, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This is my second complaint filed against this company. After your initial complaint was responded to by them stating they would in compliance inform the CRA involved, ( XXXX, XXXX ) to delete this false entry, as of this date it still remains. You can review my previous complaint for info. Furthermore a dispute letter was sent to this company previously asking for proof of debt with my original contract, signature, and monthly balances claimed which they have never produced. Please assist me on taking further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WV

Complaint narrative:
I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX  XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: SC

Complaint narrative:
I have had problems with identity theft and forgery, I have contacted all 3 credit bureaus and let them know about the problem I have been having. Equifax will NOT remove this fraudulent account off my credit report and i have reached out to them and the creditor twice regarding this account. The other bureaus have blocked this information from my credit report. The company has failed to comply with the Fair Credit Reporting Act regarding identity theft. This has been an on going issue and it is causing me a lot of pain and suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, own a townhouse at XXXX XXXX XXXX, XXXX, PA XXXX, Parcel ID : XXXX. On XXXX, I obtained a Home Equity Loan with the JPMorgan Chase Bank, NA, Home Equity and Consumer lending Division, XXXX XXXX XXXX, XXXX, OH XXXX. The current loan number is XXXX. 

The issue here is why did Chase pay {$250.00} to a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX when it was already paid in XXXX. The Township Tax Collector has confirmed the payment in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. As shown in the letter, the XXXX tax amount of {$200.00} was paid in XXXX but Chase made a unilateral decision to make an overpayment of {$250.00} to debt collector. The Township Tax Collectors letter is attached for your perusal. 

There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not have any provision to pay the XXXX tax. This Chases action is in violation of the Evidence of Payment section of the mortgage. 

Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. 


It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. Chases own title search in XXXX prior to approving my loan did not find any lien. The XXXX payment of {$250.00} to a debt collector must be removed from my liability.

Company response to consumer: Closed with explanation