vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
On XXXX XXXX, 2017 XXXX deleted Acct # XXXX from my credit file and I would like Transunion to follow suit and delete this tradeline from my credit file.

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 2018-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD bank is not allowing me to link my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.

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 2018-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Overland Bond & Investment Corporation
State: IN

Complaint narrative:
I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: SC

Complaint narrative:
In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit

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 2018-01-19 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: Ditech Financial LLC
State: AL

Complaint narrative:
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because Ditech is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX is attempting to collect an old tax debt, from the state of Louisiana. I had prior arrangements with the State of Louisiana, as I no longer live there. But, the state of louisiana sent the tax bill to a third party debt collection agency AKA performant recovery. Performant in return sent a letter threatening to LEVY my bank account. Only State and Federal tax people can do this, not a third party debt collection agency. They are attempting to bypass the law, and levy our account. I am on XXXX, therefore they can not levy this account. We are also on a low income, my hubby does n't make that much money and it would cause undue hardship. By law, they have to go to court first, then obtain a judgment. I had to go through this with Ohio state. 

I am disputing this debt, as it originally was only around {$1500.00} now it 's escalated to around {$4000.00} performant is not allowed to charge excessive amounts PER the law. I have filed complaints with the BBB, and the Ohio AG, as they are impersonating Government Tax officials. I have filed with BBB and ohio AG, and the FTC, this company refuses to respond. They can not levy my bank acount with out going through the court of law first.

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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter

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 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.

Company response to consumer: Closed with explanation