vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HARRIS, KLEIN ASSOCIATIES, INC.
State: AL

Complaint narrative:
On XX/XX/18 I began reaching out to XXXX XXXX XXXX via phone and email regarding a debt that a debt collection agency, Harris, Klein Associates, Inc. called me and stated that I owe. I asked the representative from the collections agency, XXXX at the time for a direct contact at XXXX XXXX XXXX so that I could understand the validity of this debt and to also let the collection agency know that I was never notified via email or mail about this debt until the collections agency reached out to me. At this point the collections agency is threatening to add this debt to my credit report with no regard to the fact that I was never notified by the original creditor. In addition, the debt collection rep ( XXXX XXXX ) stated the mail was returned to both her office and the office of XXXX XXXX XXXX which means I never had a chance to take care of the original debt before being charged an additional {$90.00} collection fee. This is extremely unprofessional and speaks to the integrity of XXXX XXXX XXXX, if mail is returned to an office that is the number one indication that the individual did not receive it. XXXX XXXX XXXX has not returned my calls or emails, which I still have copies of - I have tried to remit payment but I will not pay an additional collection fee that was unjustly charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: OH

Complaint narrative:
On XX/XX/XXXX I previously filed a complaint with the XXXX  ( see attached ). On XX/XX/XXXX, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/XXXX I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ).  Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX XXXX  as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above

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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to a Conns store in XXXX to purchase bedroom furniture and a mattress during the aftermath of Hurricane Harvey. After the purchase was made through a store credit, I asked the sales person would I be making once a month payments to my account. The sales person reassured me that it would be just one payment.  Every other week, money was being drafted from my bank account in addition to me paying Conns once a month. This activity was going on for two months and I did not receive email confirmation nor a letter by mail. I contacted the Conns store and no one could answer how and why this was occurring. I finally learned that two loans where taken out : one to  cover the mattress and the other to cover the dressers, night stand, and bed frame. I didnt agree to this nor was this stated to me at the Conns store. My bed furniture breaks and was not of good quality. XX/XX/XXXX, I fell into hard times and I was unable to pay the loan for the bedroom furniture. I fell on payments due to being XXXX XXXX XXXX   and I have been on bed rest. In XX/XX/XXXX, I stated this to the customer service representative and they insisted on taking money out my bank account. On yesterday, I explained to them I am not working and I am on bed rest due to the XXXX XXXX XXXX. I explained to the person about the phone call in XX/XX/XXXX and I requested to speak to a manager. The representative said she was a manager and called her manager for an extension approval for me. Then, the person demanded I pay {$200.00} after I told her I was not able to. I keep receiving several phone calls, text messages, and emails everyday. I keep receiving threats about collections and multiple negative reports to the credit bureau. I feel my concerns were not taken into serious consideration and I will be in the hospital soon. This situation is stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
On XX/XX/2019 Carrington Mortgage called my wife at work " needing to talk to her about our loan ''. After a lengthy back and forth with the company she came to realize they were just calling to have us make our monthly payment sooner. As per our loan agreement, payments are due on the first but not late until the 15. We are not delinquent in our payments and make our payment on or before the 15 via electronic payment EVERY month. They called acting like we were behind on our payments and asked if we would " like to make arrangements to pay on the first ''. We have had loans serviced by multiple companies and have never had them call us asking to make payments sooner than our loan agreement states and this includes Carrington as they have serviced our loan for many years now. We made our payment as usual but this time it " failed to process '' on time and coincidentally were charged a late fee for the first time in years ( only 1 time in 10 years did we have a late fee which was legitimate ). We called customer service and they reversed the charge and processed our payment over the phone on XX/XX/XXXX assuring us this wouldn't happen again. 
Today, XX/XX/2019 we got a call from Carrington at XXXX XXXX  asking us to verify our loan info. When we refused until we knew what the call was about the caller said that was against policy until they could verify our identity. We asked to speak to a manager and were also told that that was against policy and we were unable to get more info on what the call was about. Concerned that this was a scam we called the company back and they verified they had called us again wanting to " make arrangements for payment '' of our loan still not late for 10 more days. We told them directly to take us off their call list and not contact us unless there was a problem or emergency with our account. We have never had harassing calls from a creditor when we were NOT delinquent in payments and this seems to be a new practice for Carrington as of XX/XX/2019. Our loan agreement is fixed and has not changed so we would like them to respect the terms of our agreement without complaint as long as we continue to do our part. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: LEXISNEXIS
State: NC

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. LexisNexis is required under the FCRA to have a copy of the original creditors or furnishers documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it etc. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This Company has never mailed notification of the debt however they are reporting to the credit bureaus. The debt collection practices are in violation of XXXX privacy laws as they have mailed the full and complete medical bill with private very personal information to my lawyers. The information submitted to the lawyers is inaccurate, the billing date is prior to the date of service. How is it possible to bill someone for a service before they were even admitted for an emergency? I have been sending certified letters to this company and they refuse to accept any of them. Very hard to work with someone that will not accept certified mail for proof of delivery.

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 2019-02-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
On about or about XXXX 2019 I applied for a new loan with XXXX XXXX, they denied my loan but sent me to One Main they might help! I applied and was subsequently denied by One Main.Since then everyday i was getting letters from One Main saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called ONE MAIN i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted XXXX XXXX they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.XXXX XXXX said they are investigating it.XXXX XXXX should be held accountable for partnering with a scam lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: OH

Complaint narrative:
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XXXX.XX/XX/2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: OH

Complaint narrative:
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XX/XX/14.2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX   FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above

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 2019-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I turned in my leased car in XX/XX/XXXX and I was on an automatic draft. Today on XX/XX/XXXX, I was charged $ XXXX   monthly payment despite having turned in my vehicle more than 40 days ago. 

This is unfair and an unfair and deceptive practice in Florida. Please demand that XXXX XXXX correct this issue for me and for all future account holders. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has placed an inaccurate entry on my credit report. I recently retrieved a copy of my credit report and noticed that they had placed an account on there. Previously, I have disputed this account entry with them in XX/XX/2019 via certified letter with return receipt. The tracking number for this letter is XXXX. Tracking reflects that they received this letter on XX/XX/2019. To date, they have not responded with any documentation ( as requested in dispute letter ), that provides their authority to collect on this alleged debt in the state of Texas, an agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, complete accounting of the alleged debt, nor the name and address of the bonding agent for them in case legal action becomes necessary. 

This company is blatantly violating my consumer rights and this entry must be Deleted from my credit reports immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: CA

Complaint narrative:
I have been in contact with drive-time only because i gotten a vehicle financed by XXXX  which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. 

XXXX XXXX XXXX XXXX  XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.

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 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries, reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiries listed below.

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was in USA three times : 1.I came here as a XXXX student ( XX/XX/XXXX-XX/XX/XXXX ) .I oppened just a XXXX XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
2.I came here as I XXXX Student ( XX/XX/XXXX-XX/XX/XXXX ). I oppened just a XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
3.I came here as a tourist at XX/XX/XXXX and I am living here.I decided to open a XXXX XXXX checking account at XX/XX/XXXX. 

After a couple of mouths I find out information about credit reports and credit history and decided to check myself and I found some issues.According to credit report these account was opened when I even dont have a visa to come into USA.I got a visa XX/XX/XXXX and came into the USA at XXXX XXXXAccounts was oppened at XXXX years so, its no way for my to physically get and use this credits cards.I report to police department but the still didnt help my out.It was few more account but credit berrues removed them. 

So called the Chase Bank and I got the letter that I amstill responsible for frauden account, but again, its no way for my to opened, get and use chase credit card.During XX/XX/XXXX and XX/XX/XXXX I lived in XXXX.

Company response to consumer: Closed with non-monetary relief