vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Re : Acct # XXXX To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there are 6 late payments reported for my account. I realize I recently fell on hard times and gotten behind in my payments, however, in addition to the recent late payments XXXX has reported that several other payments have been incorrectly reported as 30-59 days late. 

In the month of XX/XX/XXXX, XXXX XXXX XXXX recently reported that payment as 30-59 days late. During XX/XX/XXXX my due date for that payment was the XX/XX/XXXX of each month. My XX/XX/XXXX payment in the amount of {$390.00} was made on XX/XX/XXXX, which is actually prior to due date. 

Once again, my XX/XX/XXXX payment was recently reported 30-59 days late. My XX/XX/XXXX payment was due on XX/XX/XXXX ; my XX/XX/XXXX payment was posted to my account on XX/XX/XXXX, which is 14 days after due date. This is definitely not accurate as being reported on my credit report. 

Once again, my XX/XX/XXXX payment was report 30-59 days late. My XX/XX/XXXX payment was due on the XX/XX/XXXX. This payment was deferred at the suggestion of the customer service representative. 

In event of the inaccuracies of my payment history, I am writing to request that a resubmission of an accurate payment history is reported to all three credit bureaus. 
Thank You XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX : Copy of payment history from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: GA

Complaint narrative:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit bureaus.

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 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

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 2018-05-01 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: GA

Complaint narrative:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have opted out of overdraft protection to avoid account being charged the {$35.00} fee. On XX/XX/XXXX an item " XXXX '' was charged {$14.00} over drew the account and on the same day a {$35.00} fee was charged. The next day, XX/XX/XXXX I deposited {$15.00} to cover the charge, however because they had charged the {$35.00} a second charge of {$9.00} " XXXX XXXX '' went through and bounced due to the first {$35.00} fee being charged. So as a result I have two {$35.00} charges occuring due to a chain reaction, one causing the other. 
I also was not provided sufficient time to correct the deficiency, nor did the " Opt Out '' work. These charges are supposed to not go through, they were set up with my Debit Card information, no other information was used to set these charges up so when charges come across and there is insufficient funds they are supposed to be refused. 
Bank of America credited me the second overdraft fee of {$35.00} but refused to credit the 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 monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: WY

Complaint narrative:
Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working <here>? '' I said because of her attitude that I was terminating the call and to have a nice day. 

She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. 

She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. 

Then she called my father-in-law immediately after that on his cell phone. 

This, after I said I needed to check to see if this was my account as I didn't remember 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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: St.John Cobb Inc
State: NC

Complaint narrative:
I am requesting an immediate deletion of a DEROGATORY PUBLIC RECORD OR COLLECTION FILED note in my credit report. XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX ) is failing to acknowledge that the debt that they are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX NC XXXX ) is inaccurate and that they should not have placed it into collection and reported to XXXX. 
I have repeatedly informed them and their client ( the XXXX XXXX office ) that the Insurance ( XXXX ) indicated by a letter ( see attached ) that the XXXX XXXX office failed to verify the eligibility of my son for the treatment. I also acknowledged that I failed to do the same and accordingly offered to pay half the amount. 

The XXXX XXXX  office should have acknowledged their mistake in handling the insurance eligibility verification and should not have sent the account into collections when I had offered to resolve the issue by offering to pay for my portion of the mistake. The collection agency - XXXX XXXX XXXX - should do a better job in verifying the accuracy of the claims before reporting to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: FIRSTBANK
State: AZ

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Checking or savings account Issue : Problem with a lender or other company charging your account The bank has not mailed me a check as promised since last week. The bank has shorted the amount to be refunded to me by {$45.00} and {$68.00}. These charges are bank issued charges for NSFs caused by unauthorized transactions. The promised money order for {$72.00} has not been received. The total amount to be refunded should be {$180.00} Please make a sincere effort to resolve this issue. 
Respectfully, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I recently purchase a XX/XX/XXXX XXXX XXXX XXXX XXXX from XXXX auto sales XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received ZERO paperwork when I called them to get the paperwork, they refused to give me the paperwork. We havent received any disclosure. They ( dealer ) also told the finance company I put {$4500.00} dollars down when I only put {$3000.00} dollars down. Also after driving the vehicle for 8 days it will not crank up and I had a mechanic to look at it and the mechanic says it need injectors {$2500.00} in parts and labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX 's XXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX 's XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of 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 2018-05-01 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 requested a copy of my credit report with all 3 major bureaus, and found erroneous information being reported by Portfolio Recovery. I am unaware of how they've obtained my personal information without my authorization/knowledge. 
In attempts to resolve the issue I mailed a certified letter on XX/XX/XXXX asking the agency to VALIDATE the alleged debts owed on said accounts ( 2 ) under the Fair Debt Collection Protection Act. I requested the agreement that I signed, the original contract, a copy of their state license for Maryland and a full calculation of the balance and payment history. 
I was provided a one month billing statement from XX/XX/XXXX-XX/XX/XXXX. 
This is not sufficient and doesn't prove obligation to the alleged debt. I am disputing this debt. 
They are also reporting delinquent /negative information to all 3 credit bureaus and I am requesting they be immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: NY

Complaint narrative:
Experian has been habitually keeping false info on my credit report. There should be no accounts providing serious delinquency. I was recently turned down by XXXX because Experian shows a credit score of XXXX even though equifax shows XXXX and transunion shows XXXX. I have been paying a mortgage for 9 months now with no outstanding debts. Experian needs to get their act together and update my info correctly or I will file a lawsuit against them.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX of XXXX NC )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I consolidated my graduate loans with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2009. Apparently, my loans were transferred to several Service providers and consolidated again. Navient is now telling me that I owe twice as much. I have sent proof from my school showing that I only owe half of the amount Navient claims. I have repeatedly tried to get them to investigate and even got in touch with the Ombudsmen. Apparently, the Ombudsmen work for Navient. 
I have called and called and called and am continually transferred from one department to the other. 
I can not get anyone from Navient or the Department of Education to thoroughly investigate my loans.

Company response to consumer: Closed with explanation