vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. 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 2018-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.

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 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
Hello, Was sent offers in the thousands of dollars, by these companies who claiming I was Pre-qualified for a loan, after applying for a loan from one of these company, suddenly I get turn down and they saying no longer qualified for any loan, with that company. 

Not understanding, what Pre-qualify me in the first place when they made an offer of a loan.? These called predatory loans, and false offers, on person like me.. 

I'm not new to this office, I recently complained before. My complain number is:XXXX. In that case the decision sent to me XX/XX/2017, about my complaint, I'm very displeased with your decision, and moreover, your response offered no consolation to my complaint. 

However, I continued to get offers in the mail with offers over and over again, especially from XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Pre-Approved for {$30000.00} and so. 

These companies are collecting personal information only, not really lending, and the government needs to do something about it, and place a stop to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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 — Their investigation did not fix an error on your report
Company: URS Holding, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX and XXXX   responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX  but XXXX, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I lost my job just after closing on the house in late XX/XX/XXXX. I used savings to make the payments until XX/XX/XXXX, when I couldn't make the XX/XX/XXXX payment. I have since gone back to work but am behind for XX/XX/XXXX, XX/XX/XXXX and tomorrow, XX/XX/XXXX. I have tried to call the company several times, but am kept on hold a very long time or no one answers. I've sent 4 written messages through the company 's online message center but no one has responded to any of my messages or answered any of my questions. I get at least one letter or statement each day from this company, but no one will talk with me when I call or reach out to the through their website or loan administration portal. I can only make 2 or 3 payments online. Their portal will not allow one payment. I can't make a payment over the phone because I can't get anyone to talk with me. I finally mailed one payment in on XX/XX/XXXX, but they are telling me they haven't received it and it has not been posted to my account and it has been 7 days. I received a letter today telling me that I must make 2 payments on or before XX/XX/XXXX or I will be in the foreclosure process. They will not accept one payment. Only two. I'm not making partial payments, but full payments, but I can't make two at a time. I don't know what to do since this company will not accept a mortgage payment from me but is threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I borrowed a loan for a {$1000.00} and the they have an agreement form stating this. 

ANNUALPERCENTAGERATEFINANCECHARGEAMOUNTFINANCEDTOTALOFPAYMENTSThecostofyourcreditasayearlyrate.Thedollaramountthecreditwillcostyou.Theamountofcreditprovidedtoyouoronyourbehalf.Theamountyouwillhavepaidafteryouhavemadeallpaymentsasscheduled.XXXX   % {$2300.00} {$1000.00} $ XXXXYourPaymentSchedulewillbe : NumberofPaymentsAmountofPaymentsWhenPaymentsAreDue1 $ XXXXXX/XX/XXXX2 $ XXXXXX/XX/XXXX3 $ XXXXXX/XX/XXXX4 $ XXXXXX/XX/XXXX5 $ XXXXXX/XX/XXXX6 $ XXXXXX/XX/XXXX7 $ XXXXXX/XX/XXXX8 $ XXXXXX/XX/XXXX9 $ XXXXXX/XX/XXXX10 $ XXXXXX/XX/XXXX11 $ XXXXXX/XX/XXXX12 $ XXXXXX/XX/XXXXLateCharge : Ifapaymentis3daysormorelate, youwillbecharged $ XXXX.Prepayment : Ifyoupayoffearly, youwillnothavetopayapenalty.SeethisLoanAgreementforanyadditionalinformationaboutnonpayment, default, anyrequiredrepaymentinfullbeforethescheduled. 

This is what I put my self into. I am a consumer who needed help at the moment working pay check to pay check. I was struggling to pay it back and my salary was not enough to cover the bi weekly payments of {$280.00}. 

If I'm late they charge a fee on top of it and the loan was {$1000.00} and if I did continue to pay it bi weekly of just XXXX It will total to about {$3000.00}. 

I'm just curious if this is a legal form of business. 

Thank goodness my father help me out big time on this deep hole, I put myself into. If it was just me I would be paying this bank for the rest of my life. 

We decided to pay it full in one time and it totaled to XXXX. That's the final amount I had to pay due to more than 75 % interest rate. This is a big learning experience for me I had no idea what I was going into. Yes I'm ignorant about the agreemental but I needed the money. 

The point I'm trying to share to anyone here is that is this even legal for someone to charge you that high amount of interest and if you borrow a XXXX dollars you'll have to pay for the rest of your life the XXXX in total of roughly 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 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: OH

Complaint narrative:
XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.

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 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  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 2018-02-01 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: CA

Complaint narrative:
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There has never been a XXXX XXXX card or account that is a fact.

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 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
when I applied with student loan services to have my loans combined together, I asked them to transfer it to XXXX XXXX XXXX since I had my existing loan of XXXX. Then I called XXXX XXXX XXXX and asked them when my loans are transfer to them just like my existing loan if will go under XXXX  where I don't make any payments and the representative said yes. I was hospitalize a while later and I was in out of hospital and pain medication for about 6 months. two months after I was out I find out that XXXX XXXX XXXX didn't process my loan payment as XXXX and late payments were reported for 120 days. this is incorrect due to my XXXX which I'm still receiving XXXX my payment is XXXX. no late payments should have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation