vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, TransUnion, XXXX, and XXXX. I have also disputed an address listed on TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since 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 2018-10-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, XXXX, Expeiran, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since 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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2014 I purchased a XXXX XXXX XXXX upon purchase of this car I noticed issues with the transmission with-in approx 30 days immediately called the dealer to advise of issues in -which they were not in-agreement with my findings I continued to have issues with the Transmission and have confirmed that these cars have numerous complaints regarding transmission issues. I voluntarily returned the car immediately because of this issue yet no one has paid any attention to my complaint 's and it effecting my credit now. I have also repeated disputes with the credit reporting agencies to no avail. I'm needing someone to follow up on this complaint as it's affecting me and also causing a lot of stress and financial hardship. If you need to speak to someone regarding this please speak with my wife XXXX XXXX as she's the one who's been trying to resolve these issue 's for me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I petitioned Equifax to remove a bankruptcy from my credit report. The most recent request, I received a response dated XX/XX/2018, confirmation # XXXX. Included are the results are of Equifax 's " reinvestigation '' of my request to remove the bankruptcy from my credit file. The letter advises that the results were verified via XXXX XXXX, a third party vendor. Again this letter from Equifax is dated XX/XX/2018. 

XX/XX/2018, I received confirmation from XXXX XXXX ' consumer center, case number : XXXX, a letter confirming results differing from what Equifax claimed to have confirmed. The XXXX XXXX resolution to my dispute : After a reinvestigation of the data in question, XXXX XXXX was UNABLE to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently REMOVED this required from your XXXX XXXX XXXX  report. 

XXXX XXXX removed the unverifiable bankruptcy. Therefore, Equifax clearly lied about the source of their information. Consequently, the unverifiable bankruptcy remains on my credit file and continues to cost me higher interest rates and lower credit line extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: TX

Complaint narrative:
I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX.   Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. BOA is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

BOA is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with BOA since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.

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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XX/XX/XXXX Called my cell phone from an unknown number. Didnt leave a message. Immediately called wifes phone.

XX/XX/XXXX was able to speak to someone other than dead air. Stated they were looking for my wife about a potential action against her. Called from an unknown number. Asked them for a phone number to contact them at. ( XXXX ) XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted TransUnion on 3 separate occasions to let them know that I was a victim of identity theft. There have been taxes fraudulently filed in my name, mortgages applied for from other states in my name and when I retrieve my credit file I have these inquires that line up with this and TransUnion is refusing to remove them. I get alerts that my information is on the dark web and I have had to put a lock on everything and really pay attention to the breaches that I have been victim of without even knowing it.

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 2018-10-03 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:
XXXX XXXX pulling my credit XXXX XXXX XXXX transunion and XXXX   having isssue removing my fraud alert with all 3 's XXXX, transunion, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX 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 2018-10-03 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: FL

Complaint narrative:
Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX XXXX  TRANSUNION as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!

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 2018-10-03 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: FL

Complaint narrative:
Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to EQUIFAX XXXX XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: FL

Complaint narrative:
Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX EXPERIAN XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!

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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Global Payments Check Services, Inc.
State: KY

Complaint narrative:
ON THREE DIFFERENT OCCASIONS AT THREE DIFFERENT BUSINESSES THIS YEAR I HAVE BEEN DENIED CHECK CASHING PRILEDGES AND EACH LOCATION HAVE REFERRED ME TO GLOBAL PAYMENTS GAMING SERVICES INC. I HAVE BEEN TRYING TO CONTACT GLOBAL PAYMENTS TO CORRECT MY ACCOUNT SINCE XX/XX/2018. ON SIX OCCASIONS I HAVE MAILED LETTERS, E-MAILS AND PHONE CALLS. 

GLOBAL HAS IGNORED MY REQUESTS AND HAS NOT RESPONDED WITH ME AT ALL.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services is currently engaging in dual tracking Dual tracking is prohibited! 

I also sent a Notice of Error and Requests for Information pursuant to PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart CMortgage Servicing and have not received any acknowledgment or response to correct the error on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Suburban Credit Corporation
State: PA

Complaint narrative:
Company began calling me in XX/XX/2018. Ive requested a copy of the debt as I have zero record of an unpaid bill. The company has refused to send me something in the mail but continues to report it to the credit agencies. 

When I ask why they refuse to send me something in the mail the responses have been " We did. '' - refuse to admit they never mailed me anything. Even when I explain this is the only piece of mail I seem to never receive and have reconfirmed my address multiple times. 
" Why don't you learn how to pay your XXXX bills '' - By a female employee in XX/XX/2018. When I asked to speak to a manager at that point he told me I lied and she didn't say it. When I asked the manager why I still am not receiving a copy of my bills he once again said they have sent them but again, as of XX/XX/2018 I have never once received anything in writing from them as requested so I can dispute this charge with the original party as this was a health care bill that should have been covered by my insurance carrier and I've explained that I need more details before I can even attempt to resolve this and get the debt taken away from my name. 
XX/XX/2018 - called in again. Still refusing to send me something in writing but have not stopped calling me names or telling me to learn how to pay my bills. 

This is harassment and I want it to stop. I pay my bills on time and have over a XXXX credit score. I am trying to resolve this with the original lender and this company is purposely preventing me from doing so. 

Debt Collector Details : Suburban Credit Corporation XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
I recently moved to XXXX and began the process of registering and titling my XXXX XXXX XXXX in the district. When I updated my information with Honda, they informed me that I would be responsible for paying the vehicle tax on my monthly lease payments ( 10 %, about {$30.00} a month ) However, I already paid tax on my vehicle in XXXX, which was capitalized on to my total lease cost when I purchased the vehicle ( about {$900.00}. ) XXXX provides for an exemption from excise tax for rented or leased vehicles ( # 7 under list of exemptions, which I will attach to this complaint ), as well as for vehicles moving to XXXX previously titled or registered in another state ( # 9 on list. ) I called Honda and spoke to a representative, who told me I could claim a refund from XXXX. After being unable to find that information and consulting with others who moved from XXXX  to XXXX, I called Honda back and requested they research it. The customer service representative told me I was unable to talk directly to the office that deals with tax amounts, but that she would relay my request. She called back the next week and told me that since XXXX does not provide reciprocity, I am basically out of luck.

Since I am covered on this list of XXXX exemptions, this is not correct. I am happy to pay the difference between the XXXX  and the XXXX  tax, or to receive a prorated refund of my XXXX tax, but I should not be responsible for continuing to pay sales and use tax in XXXX while my vehicle is titled, registered and garaged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
lied to me several times kept telling me the only way to pay my bill was through a bank account after I told them my bank wouldn't allow it and also lied to me after they took money from me and told me the only way they can give it back was through a check but replace the funds back in my account a couple of days later saying I don't owe them a balance closed out my account and said I owe them XXXX $ and that they would take XXXX to close it but I recently had sent money to them and they sent it back saying I didn't owe anything they also reported me to credit bureaus saying I was late but they never sent me bills. they also made a statement where I pay in full all negative will be removed but they lied about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
compass bk pulling my credit XXXX XXXX XXXX XXXX and XXXX  having isssue removing my fraud alert with all 3 's XXXX, XXXX, and XXXX ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX pulling my credit XXXX XXXX XXXX XXXX and experian having isssue removing my fraud alert with all 3 's experian, XXXX, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines 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 non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my Equifax file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on Equifax 's website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, XXXX XXXX XXXX in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because XXXX had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from Equifax indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because XXXX will NOT correct their error. First XXXX told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling Equifax, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, XXXX is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.

Company response to consumer: Closed with non-monetary relief