vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: TX

Complaint narrative:
Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to obtain my credit report from Equifax on 4 different occassions and I have yet to receive my report. Everytime I try to access it online it will not allow me too. I have signed up for some 3rd party credit companies and based off of their site there are a lot of discrepancies that need to be fixed however I am in need of my most current up to date Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from XXXX XXXX, dated XX/XX/XXXX. This is not my inquiry, I did not apply for any account with XXXX, nor did I authorize them to pull, my credit. 

Toyota Motor credit, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit  payments, over the phone and I decided to call Toyota Motor Credit on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called Toyota Motor Credit two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and Toyota, placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction. 

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file is XX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month of XX/XX/XXXX? If I made the last payment on XX/XX/XXXX and it XXXX  out the balance. How can I be late on the payment, for the month of XX/XX/XXXX. This is a error and I would like it removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: KS

Complaint narrative:
I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX  told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
Capital accounts reported negative information on my credit report, despite the fact that I have never had any business with them, and they have failed to provide a copy of a contract signed by me or a judgment against me to validate this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). XXXX XXXX ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX XXXX' and Tele recovery ( which was account transferred from " XXXX  XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX  XXXX XXXX XXXX '' and I have never done any business with Tele recovery ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. XXXX XXXX, just contacted me on XX/XX/2018, a year and one month, after the account, was placed on my credit file. As for the Tele recovery account. I have no knowledge of this account, what so ever and it is not my account, nor has Tele recovery, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act. 

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist

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 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX  the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.

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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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:
XX/XX/2018 I contacted TransUnion about a dispute and incorrect information being reported on my credit report by XXXX XXXX. I was informed that XXXX XXXX verified the incorrect information and that I could submit another dispute. I contacted XXXX who said they contacted TransUnion to verify that they received the reporter payment history. My problem is that XXXX claims they have reported my payment history to TransUnion and TransUnion says they only have what is shown on my credit report. XXXX with XXXX said that when they contacted TransUnion they verified that the correct history had been reported. I already filed a complaint against XXXX but Im not sure if the issue is with XXXX or TransUnion now. I am in the process of a mortgage application and XXXX has agreed to advise my lender of my up to date payments and the pay off of the balance. I need my credit report to reflect the correct payment history.

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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
SUNRISE CREDIT SERVICES CALLED MY PRIVATE PHONE NUMBER TODAY, XX/XX/2018, APPROX. XXXX, FROM XXXX, HIDING THE NUMBER OF THIER BUSINESS WHICH IS XXXX. XXXX XXXX started barking claims at me, tell me i owe some type of debt. I immediately told her i have no contract with Sunrise Credit and they must NEVER call me again and I demanded Validation of Debt, pursuant to the Fair Debt Collections Practices Act and informed HER, they have 30 days to provide proof of their claim and any communication within that 30 days, other then about the Validation, is a {$1000.00} fine, per incident. I called the company back later on during the day to obtain an insurance Claim form from this company so i may make a claim for damages. They told me my number has been removed and then questioned me why i was calling them. I asked for a Claim form because i was damaged by this company. Everyone at this company has refused to supply me with an insurance claim form. I asked a manager for a claim form and he hung up on me. I had to call back again to ask for the Claim form, this time i was transferred to a Supervisor who refused to listen to me, continued to rudely speak over me, refused to comply with obtaining a Claim form for me, which i demanded several times, he claimed the FDCPA does NOT apply to Sunrise Credit and then hung up on me. I specifically told this Supervisor named XXXX that Sunrise has injured my person and i need a Claim form to file a claim. XXXX asked me Why, instead of supplying the form and then hung up on me. The manager also had the nerve to ask me for my Social Security Number and told me, he can ask me whatever he wants because of " THE LAW ''. ALL TELEPHONE CONVERSATIONS HAVE BEEN RECORDED. I HAVE AUDIO CONVERSATIONS WITH THIS COMPANY THAT HAVE BEEN SUBMITTED WITH THE XXXX  and CFPB IF APPLICABLE. Same recordings will be used in a court of 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 2018-04-13 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: NJ

Complaint narrative:
Experian Report # XXXX XXXX : Experian Dispute Filed XX/XX/XXXXAccount : XXXX XXXX XXXX Account # XXXX I filed a dispute directly with Experian on XX/XX/XXXX and was notified of the dispute results on XX/XX/XXXX. The dispute results indicated that the information in question had been " updated '', however, the information was not updated, nor was it corrected. 

I strongly believe my reason for dispute may have been misunderstood given the extremely limited information I provided due to the diminutive amount of commenting space allowed per the character limit imposed by the online dispute system. 

Please see attached file for a full detailing of the issue ( s ), including all relevant supporting documentation. 

Please Note : The enclosed file is a total of nine ( 9 ) pages. 

Thank you. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I called Bank of America for a new car loan. I am a Preferred customer with many accounts with Bank of America. After reading on the website about the process, instead of applying online I called to talk to a loan specialist directly. The website was having issues so it would not pull up area dealerships that are " franchise partners '' with Bank of America for auto loans. The very first question I had was if the particular dealership I wanted to purchase a car from was included on the list. I was asked what type of car I would be buying. I gave this information to the agent and was told that they would be an authorized dealer. From there it was a heavy push for me to apply on the phone for the loan. I consented to doing this as well as asking several questions along the way. Prior to running my credit for approval I asked several more questions. I further asked if it was as simple as taking the access code for the loan, giving it to the dealer and they would know what to do and I was reassured that this would be the case. Once I was given this information I consented to my credit being run. I was approved and quickly passed on to another individual to go over other terms. This individual asked me for the dealership information, which I gave her. She then gave me different information than the first individual stating that this dealership is not one of their " franchise partners '' so I would not receive an access code, but rather I would have to get a purchase order for the car, send it to Bank of America and then several days later they would send me a check to take to the dealer to purchase the car. I then stated that the whole reason I called to begin with was to ensure that this dealer was one of their " franchise dealers '' and was told by the first person I talked to that it was. The second individual apologized and said that they should have given me the correct information. At this point my credit has already been run under me getting false information. 

My plan was to purchase this vehicle in the next day or so. I asked the individual how this was supposed to happen and she simply stated that maybe the dealer would allow me possession of the car and I could take the money to them once I have the check. I doubt that a car dealer will let me drive a new car off of the lot without any payment for the car. In addition, the whole process was set up such that I was initially put into contact with an individual that was only trained to answer broad questions and push individuals into applying for a loan. This was a very misleading process that resulted in my credit being run on false information that I was given prior to me consenting for my credit to be run.

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 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX I had to refinance with Wellss Fargo Mortgage company. At the time I had a mortgage specialist assigned to me. The terms were a hardship and this was duly expressed with the loan provider. On an income of XXXX/month, Wells Fargo expected payments of XXXX for 4 months and then back to my normal payment of {$680.00}. XX/XX/XXXXthru XX/XX/XXXXpayments were made, in XX/XX/XXXX my only vehicle broke down and needed repairs. I reached out to Wells Fargo, only to find they changed my home specialist. Then I started getting statements that didnt reflect my payments posted. My specialists were changed multiple times. Wells Fargo made calls prior to XXXX XXXX  on the weekends. They also made several calls on an unlisted number. I requested a payment itemization multiple times on a recorded line and never received one. The current home specialist wrote to me and promised an answer by XX/XX/XXXX. They sent another letter stating I would have an answer by XX/XX/XXXX. Both dates have come and gone without Wells Fargo doing their due diligence. I currently have an immediate medical issue that requires a loan of {$30000.00}. Even though I have approximately {$50000.00} of equity in my home, I am being denied the funds for necessary procedures due to the disparaging credit history reported by Wells Fargo. Three FDCPA violations, failure to respond in a timely manner and denial of necessary medical care has forced me to submit this complaint and possibly seek legal recourse against this corporation. Also, they sent me an escrow refund check ... ..If Im behind on payments then why wasnt that applied to my account?

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