vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 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: IL

Complaint narrative:
I submitted a dispute requesting outdated adverse information be removed from my credit report. According to the FCRA section 605 [ 15 USC 1681c ] subsection ( a ) paragraph 4 the information should be removed. I attempted to have the information removed by fax on XXXX/XXXX/2017, by mail XXXX/XXXX/2017, and finally by phone with XXXX on XXXX/XXXX/17. The information was updated and not removed on the first two attempts. I have not received a response from the last attempt and the 30 day processing time has expired.
I also requested the method of verification used each time and I did n't receive the information on any of the above occasions. They have violated my rights.
I provided them with a detailed letter indicating my request and the section of FCRA that applied to my situation. I also included : a copy of my state issued identification card, credit report, email communication sent from the company, and my payment history. They ignored all of the supporting documents and continued to report the adverse information that is negatively affecting my credit rating.

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 2017-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --

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 2017-07-27 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: NE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
We had multiple problems with AmeriHome. 1. The first issue we had was some unpaid property taxes in XXXX XXXX that resulted in {$450.00} in fees. After speaking with the mortgage company on multiple occasions and them ensuring us it was taken care of, we found out at closing that it was not and had to pay out of our money to cover the costs. 2. We recently received a letter from the company stating we were to receive a check in the amount of {$3800.00} that had been paid to the mortgage company from our tax office. With the letter was a check for {$170.00} for " Miscellaneous expenses '' with a different check number. When I reached out to AmeriHome to clarify what had happened, I was informed that the check had been processed but had not been mailed and that we should receive it within the next 30 days, if not sooner. After waiting for the check to arrive and it not showing up, I got back in contact with AmeriHome. There was no longer a record of that check. I spoke with 2 different employees that worked for XXXX, the mortgage company 's third party processing company who gave me two different answers on what was happening. I asked for them to contact me with an update from their tax department and received nothing. I finally called the corporate office and spoke to an employee there who informed me that there had been an error and we were not supposed to get that check. I do not trust that this is true as I was clearly lied to throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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:
Applied to rent a home with XXXX XXXX and was denied due to evictionsreporting that should not be reporting on my credit file.

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 2017-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank , N.A . received two payments on my XXXX 's XXXX card and they were not applied. I have contacted them and the say they ca n't do anything. The payments were electronically sent from my financial institution to them. On X/X/2017 a payment of {$1.00} and on X/XX/2017 a payment of {$3.00}.

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 2017-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
Almost every day for the past month or so maybe almost 2 I have been receiving calls from Consumer Portfolio Services I know that its their job to get a hold of me but the first thing that they ask for is my SSN and I stated that I can not give it to them since I am in the center of my building that I ca n't say it out lound and I asked them to reach me on my mobile phone which they only tried once. Since then they call my work at least once a day if not twice. I just found out this morning that they some how got my Bosses home phone number. I have no idea how but at that point it seems like harassment to my boss and she has absolutely nothing to do with this debt collector or my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
I received repeated phone calls from a company called Halsted Financial about a debit they claim I owe to XXXX. I told them I 've never ordered anything from XXXX, and I asked if they feel this is a valid debt, please contact me via mail. If was told the phone calls will continue until the debt is paid. They call all day long, and I block the number and they call from other numbers. One representative had the audacity to tell me to and I quote " LOOK FORWARD TO MORE CALLS COMING MY WAY. '' This is unacceptable even if I owed the debt they are claiming. X/XX/2017 XXXX : XXXX, X/XX/2017 XXXX XXXX, X/XX/2017 XXXX XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX. The list goes on. If there anything u can do to stop them from harassing me about a debt I 'm telling them I do n't owe, it would be greatly appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: NE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report

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 2017-07-27 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: NE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report

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 2017-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SAM ; S ACCT HAS BEEN PAID DOWN TO {$200.00} BALANCE > STILL SHOWS {$910.00} THAT I OWE > PAID OVER MONTH AGO. ACCT 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
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: WA

Complaint narrative:
360 Mortgage LLC in XXXX Texas has been collecting payments via escrow for Property insurance for the subject property. 360 mortgage 's under-educated Insurance group is refusing to pay the property insurance policy because they want to change the policy/ dictate to the insurance company and property owner how the policy needs to be titled. ( they are listed as lienholder - that is the only matter they are entitled to dictate ). We have had this discussion each year for the past three years. Now they have refused to pay the policy and I have received a notice of cancellation of the policy. Whether this is just under-educated people attempting to practice law without a license because they do n't know local laws or insurance underwriting, or whether this is a wholesale attempt to cause the existing policy to lapse so they can force-place a more expensive policy thru an affiliate, it smacks of fraud. They represented they were collecting insurance payments each month into an escrow account so that the policy could be paid - when in reality they have now refused to pay the policy. I recommend their loan servicing practices be investigated for consumer abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Specialists
State: IN

Complaint narrative:
on XX/XX/2017 I received a call from a debt collection agency stating I owed {$1200.00} for an old apartment. They refused to give valid information about the debt, or the company I am alleged to owe this money too. I was on a month to month contract with this old aprtment complex & can not understand how a XXXX/mo bill turns into XXXX. They did not validate whom they were speaking with and I could have been a 3rd party. I am concerned that they may have given my personal information out to other parties in violation of my rights by disclosing debt to unauthorized parties. The name of this company is Collections Specialist Inc. owned by XXXX XXXX @ XXXX XXXX XXXX XXXX IN XXXX. Their phoine number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
As a single mother I purchased my home in XX/XX/XXXX with XXXX. Around XX/XX/XXXX I was targeted by a Wells Fargo representative to refinance my home which I stupidly did. He told me that I could take out {$20000.00} equity but at the end I came out the loser with no money back, within three months my mortgage went from {$1300.00} a month to {$1700.00}, then {$2100.00}. The mortgage amount kept changing every month to the point I could n't afford my mortgage anymore. I asked Wells Fargo for a loan modification, I was offered two modifications where the amounts were still almost the same. I told the representatives at Wells Fargo that they were setting me up for failure. They told me to take it or leave it, sell the home or face foreclosure. I wanted to keep my home so I felt that I signed under duress. I was approached by an attorney who told me that he 's done many loan modifications. I thought I was saved. He took my money and left me to face Wells Fargo on my own. Now I 'm facing foreclosure once again and I can not get anywhere with them. One representative tells me I 'm eligible for a loan modification, I faxed my paperwork once again to speak with other representatives who told me that I was n't eligible. They 've been rude, condescending. I was told to do a deed in lieu or face foreclosure. I received a land court letter, now the home is in active foreclosure with no sale date. I have been in lobo with WF for so long that I 'm unable to function properly leaving me with XXXX that I ca n't shake. Please help me in any way you can.

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 2017-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I reserved a condo in XXXX XXXX and transferred {$800.00} to the " owner '' of the condo through the XXXX app in my Wells Fargo 's online bank account. After the money was transferred, the " owner '' of the condo cut off communication with me and I have n't heard from him since. I opened a claim through Wells Fargo and it was closed. I re-opened the claim and a representative of the bank called me yesterday stating I would not be receiving my money back.

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 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent letters of dispute on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a Wells Fargo credit card account that was closed some years ago.. Wells Fargo replied to XXXX. that they would not remove the account/derogatory at this time.

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 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief