vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX XXXX I contacted Hunter Warfield Inc I Spoke with Ms XXXX who I learned was in charge of my case. I inquired about the debt because I saw it was on my credit and she immediately said that they were in the process of taking legal action against me for this debt and that she could not give the itemized list of charges because of this. we exchanged a few words and eventually she said it was her job to say what she said and she finally agreed to send the paperwork. We also discussed a payment plan and she stated that she would need {$180.00} a month for 6 months and then we can revisit to increase if possible. I stated that it may be ok but I needed to go over my finances to see what I could take out to afford it. I sent her my printers email address so it could print right out and I finally received a paper on XX/XX/2019. Which I noticed was a encrypted message that I had to click a link to open. 

On XX/XX/2019 I called back to Hunter and Warfield and spoke to Mr.XXXX  and I explained to him that the encrypted message came through a printer and I was unable to open it and I wanted to update my email address. He took the new email and stated that I needed to set up an arraignment or his client will take legal actions against me. I told him I understand but I needed to see what exactly I was being charged for. he kept going on and on about setting up a payment today until the last time I stated that I understand and I will set something up once I received that paperwork. He then says ok Mrs XXXX I will make sure I tell my client that you are refusing to pay and they can take further legal actions against you and I stopped him and said that I never said that and don't I have a right to know what i'm paying before I set anything up and he said yes but you need to set the payment up today so I hung up the phone. 

I then was able to reach the client on XXXX XXXX and got them to send me a copy of the itemized list the same day. 

On XXXX XXXX I called Hunter and Warfield back to set up payment arrangements for the debt owed and spoke to ms. XXXX. I stated that I could pay {$50.00} a month for 6 months and we can revisit to see if i can increase payments. XXXX stated that her client will accept nothing less than {$180.00} a month and I stated that wasn't something I could afford at the moment. we went back and forth and she said {$50.00} would not cover the daily interest the debt is accruing and she didn't want me to be upset because I would not see the payment decreasing. I said that it was fine and that was all I could pay at the moment and she still stated that her client would not take anything less than {$180.00} a month so I said that I couldn't afford it and her response was next time I call back the full amount would be due and all payment plans would be voided. And Then I told Ms. XXXX that that's fine and that the call was being monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is Reimer Law Company, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: FL

Complaint narrative:
Every month when I called LendingClub to make my payment they don't post the payment with the same day I called to make my payment if the payment is within the cut off time. I submitted plenty of complaints and ni one called me or sending a resolution of the complaint. O letter no calls. Nothing. 

Recently i called and they advised me that i have a payment that was applied to principal because I paid before the due date. I request the payment to be reversed and apply the payment to the current month but they advised they are not able to do that. 

Also because of the poor customer service asked for a supervisor and they informed there is no Supervisors available. This is no the first time this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: IL

Complaint narrative:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX removed ALL Listings from my XXXX, XXXX and Equifax credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: IL

Complaint narrative:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX2019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX  removed ALL Listings from my Experian, XXXX  and XXXX credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX   XXXX OHIO XXXX XXXX XXXX 2.XXXX  XXXX BANK XXXX XXXX # XXXX 3.XXXX XXXX XXXX   # XXXX 4.XXXX XXXX # XXXX 5.XXXX # XXXX 6.XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX XXXX XXXX XXXX  # XXXX  2.XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX 5.XXXX  # XXXX  6.XXXX XXXX XXXX XXXX  # XXXX  Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allgate Financial, LLC
State: OH

Complaint narrative:
XXXX XXXX DEBT EQUITIES # XXXXTo Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JH PORTFOLIO DEBT EQUITIES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation JH PORTFOLIO DEBT EQUITIES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where JH PORTFOLIO DEBT EQUITIES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On the XXXX of XX/XX/2019 my car was repossessed in New York XXXX XXXX the next day I called Toyota Financial Services Collections to know what my options where to get the car back I was told I have reinstate policy and I have to pay that amount for me to get my car back, on the day of the repossession my girlfriend was the one driving the car and she parked on the side of the road while she was in the car and a tow track guy was towing the car she wouldn't let go of the car so the tow guy called the police XXXX not sure what happened but my girlfriend came home and I ask her where my car was she said they took it.So the next day was when I called Toyota Financial services with my options on the car they told me I had reinstate police which I had to pay XXXX to get the car back I did by paying XXXX XXXX so I called them to give them the control number for XXXX they told me I no longer have reinstate police but I have to pay the car loan in full. I have the reinstate police documents they sent me in my mail I would like to know why they said I no longer have the reinstate police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2019 Old Navy Visa/SYNCB notified me via text of possible Fraud Charges from XXXX XXXX XXXX. Old Navy took the necessary step in stopping that transaction. Kudos to them for bringing this to my attention. Now I am seeking a refund of a charge from the same company on XX/XX/2019 in the amount of {$93.00}. This company used Deceptive Billing Tactics in charging me. To which I am enclosing a Cancellation Email from that company for the charge in question. I am seeking a prompt refund of the money I have already paid Old Navy Visa/SYNCB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
gm financial is on my credit report saying i owe them XXXX and i have never bought or leased or even been on their car lot. i disputed this before and was given the run around. i wantedthem to produce some paperwork with my signature and never heard anything and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX 3 transactions of {$1500.00} for a total of {$4500.00} posted to my account without my authorization. I opened a complaint with Bank of America. They claimed the charges were teller withdrawals and the person I spoke with advised me the bank conducted their investigation. They tell me the cameras were not running at the counter on that day and that if they were a warrant would be required to access them. My statement shows it as a teller withdrawal, I did not make these transactions nor did anyone else I authorized with my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: IL

Complaint narrative:
I have recently been informed that there is negative information reported by US Bankruptcy Court Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with US Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TX

Complaint narrative:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I was charged XXXX $ to repair my front bumper by XXXX in XXXX. When I picked up my car, they misaligned the holes for my parking sensors and didn't finish sanding down the edges. I then was told to come back and they would fix my bumper as they had painted an area that wasn't suppose to be painted. The manager ( XXXX ) at the place kept saying come back another date when they were less busy. Eventually I went down in person and they had closed that location. I then called the nearest XXXX which is in XXXX and they said there was nothing I could do and they didn't want to repair it. I opened a dispute with 5/3 bank saying the services weren't fully completed and they said that it was a valid claim and would not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: IL

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX Bankruptcy XXXX Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Discharged Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TX

Complaint narrative:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX 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