vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
This is not a complaint on you. I have been getting emails about someone disputing with the reporting agencies in my name I was wonder if you show any disputes from any of the 3 reporting agencies in my name? Just really worried if you could please let me know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 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: MD

Complaint narrative:
I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on 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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX appears on my report as a personal name used by me. I have no idea who she is or why her name appears on my report. Also I have never lived at XXXX XXXX XXXX which also appears on my account.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.

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 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XX/XX/XXXX mailed certified mail to request validation by certified mail ( see attached ) XX/XX/XXXX have not heard from them and they have not marked my account as a dispute submitted

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 2019-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XX/XX/XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on 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 2019-04-14 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: Perfection Collection
State: MD

Complaint narrative:
I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date Perfection collection has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, perfection collection continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX   XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party  collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: GA

Complaint narrative:
Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. )  Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a regular checking account with Bank of America. I have not had direct deposit set up for at least six months, while I've been working part time. ( I should have direct deposit set up again shortly as I'm back to full time employment ). 

I just pulled up my checking account balance with B of A. I was expecting it be about {$120.00} since I am due to be paid tomorrow and have been dealing with some relocating expenses, meaning I've keeping a very low balance. I was very surprised to see that a {$12.00} maintenance fee had been assessed. Per my account agreement ( e-Checking ) this fee which I thought was {$8.00} but may have changed over the years, can be assessed when I don't have an active direct deposit and when my balance is less than {$1500.00} daily. But neither of those have been true for months, and the maintenance fee had not been assessed. I have to believe that the only reason the fee was triggered this time was because my checking balance was so low. An attempt by B of A to overdraft my account which means even more fees in the near future.

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 2019-04-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Toyota financial services has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now toyota is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
there is a collection with Experian. That I have no signature or id or nothing that invole I approve this in I want it off my credit report I disputed XX/XX/2019 of the amount of {$38000.00} they did not give me no feed back when I wrote them or called so please help because this is something affecting me that I have no signatures with ... ..

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 2019-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have a mortgage in good standing with Wells Fargo. The problem is that I did not choose Wells Fargo as my servicer, and I am morally opposed to giving them business based on their immoral business practices, which have only recently become widely reported on. Ideally I want my loan to be serviced by a local credit union or bank, keeping my money in my local community rather than giving it to a multinational corporation. I called around but the only option appears to be a refinance, which I am not looking for. Do consumers really not have any say at all about where their mortgage money goes to? It seems terrible that I would be forced to help boost the financial profile of a corporation that I have strong moral objections to.

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 2019-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now XXXX is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.

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 2019-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: AR

Complaint narrative:
I am a single mom and XXXX vet, on fixed income due to my packet being in appeals at VA. Years ago, I signed up for a phone at XXXX , it was horrid and I had to give them back three phones that didn't work properly. I went to XXXX, AR spoke to the lady working at XXXX, paid my balance in full, and told her I was done, going to XXXX XXXX  and sick of them sending me jacked up phones. Then a few months ago I decide to dig into my credit report cause I want to use my VA Loan, and XXXX was charging me {$700.00} that I didn't know about, disputed it, and now it is {$280.00} and has to be paid in full, in which, I am a single mom and on fixed income, have severe XXXX health issues and lost my job in XX/XX/XXXX, and was told by VA I am XXXX, and my packet is in appeals. I am a XXXX veteran, and after I got back from XXXX I hated myself for the pain I had caused others and went down hill, and ended up divorced and in bankruptcy, been trying to pull myself up over the last five years and now see XXXX wanting money, and they are the ones who sent the jacked up phone, and I told them to turn the phone off. I just feel like companies need to recognize that vets come back from XXXX and some of us go through a lot of XXXX and XXXX XXXX, and should be respected and understood, helped and not fined for not wanting to do business with XXXX. Personally, I don't feel I owe them XXXX, and was just wondering if you could help, and if I need to pay I have to do it in payments, and XXXX is bogus. It just XXXX me off that people put their hand on their heart and think that is honoring a veteran, but when we come back XXXX XXXX  in our head, not the same, and gone through XXXX, we should be supported by our country in all ways. maybe I am an XXXX, I don't know .... I just feel, they are XXXX me over, and I closed that XXXX account and it was paid in full, this is on them and not me, and they are trying to charge me. They should of turned the phone off as asked, and the lady at XXXX who I spoke with was using a XXXX XXXX phone and totally agreed I should go do that. So all this is a surprise, and I am upset and can not afford to toss out {$280.00} for a greedy XXXX company who only cares about material gain, and not the person. Anyhow, rant over, please help if you can ... XX/XX/XXXX is when I received the very FIRST letter ever from them, and had XXXX  dispute it first, then they went to XXXX. Whatever it is, I need it completely off my report, and if I can get it forgiven that would be kind of you, and I honestly just don't have {$280.00}, and a single mom to XXXX kiddos and on fixed income waiting for benefits to come through. Thank you so much ... They never did any action to let me know anything, and never called asking me, I just saw it months ago cause I am trying to ensure my credit is where I can use my VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
My complaint is with Exeter Finance. Ive been paying {$560.00} since XX/XX/XXXX for a XXXX XXXX XXXX. Its a 60 month loan and to date I have made 56 payments. My maturity date is in XXXX of XXXX. This company is now telling me that I still owe them {$7000.00} dollars and that on XX/XX/XXXX the entire amount would have to be paid or they are going to repossess the vehicle. I have already paid this company a total of {$32000.00}. 

CONTRACT Contract Date. XX/XX/XXXX Mileage 60,000 Maturity Date. XX/XX/XXXX APR ( % ) 20.00 Org. Amt. Financed. {$21000.00} Monthly Payment. {$560.00} Amount Remaining. {$7000.00} Payments XXXX XXXX This amount {$39000.00} or higher will be the amount I pay for this used XXXX vehicle. Please look into this matter. This APR rate is unfair and abusive. I have tried to reason with this company regarding my health due to late payments and they dont care. This company is heartless and only want to gouge the consumer financially. Please HELP! 

VEHICLE Model Year XXXX Make XXXX XXXX Last 6 Digits of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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:
sent ftc violation taking more than 30days

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 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent three checks to different banks as payments of my credit cards bills. 
My bank ( Capital One Bank ) returned these checks unpaid even though my account had sufficient funds to pay these checks. I called Capital One to complain however the problem was not resolved and I had to close my checking account. However, Capital One did not return my funds which were deposited to this account. I need help getting my money back from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XX/XX/XXXX I reached out certified mail XX/XX/XXXX they signed for it and I heard nothing from them XX/XX/XXXX they signed for another request and heard nothing from them and they didn't mark my credit report as a dispute I attached my credit report to show they are in violation

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 2019-04-14 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: EQUIFAX, INC.
State: OR

Complaint narrative:
There is inaccurate information on my Equifax credit report relating to my student loans through the XXXX XXXX XXXX XXXX. These loans have been paid off and closed for several years and XXXX Was able to remove them I contacted Equifax they verified my identity and opened a dispute. That disput has been closed and the information was updated with incorrect information and now Equifax will not verify my identity even though I answer all the same questions with the same answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been a victim of identity fraud and Citi Bank ( CBNA ) was one of the companies the person ( s ) attempted to open an account through. I followed all the correct steps with identity theft.gov and sent them all the necessary paperwork to dispute the claim and have the inquiry removed and information sent to me. I received a letter back stating without an account number they are not willing to do anything further with the mater. I have called and can not get an account number or any help in resolving this matter over the phone. I have worked for years getting my credit to where it is and to have someone ( s ) try and destroy something I have worked so hard for so long for is awful, then to have these giant corporations act like it is no big deal and thy have no responsibility to help when all the proper documents were sent to them is beyond frustrating. I just want them to work with me and not against me in getting these inquires removed from my 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 non-monetary relief