vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This past XX/XX/XXXX I had XXXX accounts from XXXX and they were removed from my credit report. As I was looking at my credit report I noticed that when the accounts were removed from all XXXX bureaus and my credit score was only updated from XXXX and XXXX not with TransUnion. When I contacted TransUnion on XX/XX/XXXX, to find out why my credit score had not been updated due to the changes in my credit report all they could tell me is that they do n't know? I know TransUnion has been in the news for doing for not reporting accurate information on people 's credit report and now I 'm going through this. Attached is a case I won and the lawyers submitted this to the credit bureaus but for some odd reason TransUnion fails to update my credit information in regards to that case. Could you please look into this and find out why have n't they updated my credit score do to the changes with the deletion of XXXX accounts from XXXX so my credit score should reflect the changes the other credit bureaus did not sure why TransUnion is giving consumers problems. All I want is my credit score with TransUnion to reflect the changes of the XXXX accounts being removed and they have n't.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.

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 2017-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: P&B Capital Group, LLC
State: PA

Complaint narrative:
A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up. 

I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being 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 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I previously submitted two complaints regarding Wells Fargo Home Mortgage. I disputed the bank 's non-response and can not append to them. XXXX / XXXX The bank has obscured and redirected the complaint at me in their response. 
The bank XX/XX/XXXX sent some sort of financial statement in teeny tiny print it is impossible to read. I do n't know what it is. I have previously filed a complaint about this. They refuse to send information in a normal size type. They do n't want customers to be able to read so they can get away with whatever they are trying to do. 
In the XX/XX/XXXX letter, the bank apparently claims The Federal Court Bankruptcy Trustee did not make the regular payment per my Chapter XXXX filing in XX/XX/XXXX. I paid the Trustee. I have the Court records. 
Trustee an I have made all the payments to date. The bank WRONGLY shows escrow payments were not made when in fact, the payments were made and the escrow was paid. 
The bank has still not answered why, if there is a SHORTAGE as they claim, why did my payment DECREASE. 
The bank has used redirects, deflections, falsehoods, and repeatedly sent unreadable pages to pretend they are responding when in fact, they are not. 
The bank claims they have made no errors. Yet the facts contradict this claim. 

The bank has decided without my knowledge, my consent, my participation OR ANY NOTICE OF ANY SORT WHATSOEVER to apply regular monthly payments I have made to principal curtailment. I DID NOT CONSENT TO THAT, DID NOT ASK FOR IT, WAS NOT NOTIFIED OF IT, AND I DO N'T WANT IT. 
They are cheating me by re purposing my payments. 
If I mange to pay a month or two in advance for a payment so I do n't have to worry about it later, that is my choice. I should have control over how MY payments are applied to MY account. I do n't want to have to worry about making payments every month -- so I paid a little ahead. Now the bank is telling me they wo n't allow me to pay ahead, they are going to do whatever they want WITHOUT ANY NOTICE OF ANY KIND with my money. 
The bank wants me to be on the edge. They want me to make late payments so they can collect late fees or try to take my home. 
The bank is playing a financial shell game with my mortgage. They have taken away any control I have over what they are doing with my payments, my escrow -- next they will be claiming that I did n't make the payments they " reallocated '' and I have to start making triple payments to catch up.

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 2017-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I used the Western Union app on my IPhone to send {$600.00} from my credit card to my sister 's bank account. The first time I tried to complete the transaction, the app told me that it could not be completed at that time and to try again later. I did and the transaction went through. I was later emailed and told XXXX transactions went throught. I was able to get the second {$600.00} back from my sister, but not the fees. I called their customer service and was told by a floor manager that I could get a refund of {$25.00} by mail and was given a reference number. Later, they emailed me again and said they could n't refund the monty. I have tried a dozen times now to get them to return my fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Highland Capital
State: WA

Complaint narrative:
I received a voicemail on my cell phone around XXXX PST on XXXX/XXXX/2015 from " XXXX '' from Northwind Associates, a debt collection agency. XXXX states that she is a legal courier for the county and that she has legal documents with my name and social security number on them and that if I do n't call back within 24 hours, it will be recorded with the county as a lawsuit and a refusal, where they will get a default judgement against me. I called back the offices of Northwind Associates at XXXX and asked for their mailing address and company information. I was told by their associate that their mailing address is : XXXX XXXX XXXX XXXX, NY XXXX I did a search for their company name and another search for their address with the NY Department Of State and this company is NOT a registered business, nor do they have a license to be a debt collector. This is their website, showing the same address as above : XXXX I believe this company is acting as an illegal debt collection agency and preying on consumers who fall for their scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I / we have received numerous phone calls from an American Express agent in regards to an account that none of the individuals he has been calling have any responsibility or ownership. 
I consider this approach harassment and unprofessional tactics related to a Company I believed to be highly credible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
RE : Loan Transfer from CitiMortgage to XXXX There is a discrepancy in the current principal amount. Citimortgage shows the current principal amount as {$89000.00} and XXXX shows the current principal amount as {$89000.00}. The difference is {$310.00}. Please have Citimortgage show me the calculation, and explain the reason that the principal amount has increased during the transfer to 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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a mortgage loan and the bank denied me because in the credit report appears radio shack account close ( they close it because they went to bankruptcy two years ago ). I continue paying my debt on time. The bank representative ask me for a letter from Radio Shack stating that they close the case and state that I being paying on time. When I called to Radio Shack the first representative told me that they ca n't send me a letter because they do not do that. I call again and the second representative told me that the letter will arrive in 7 days. After 7 days I call again to ask about the letter and the third representative told me that they will send the letter that day ( they did n't sent it ). At this time, has being pass 17 days and I do n't received any letter from them yet. Now I 'm confuse, if they close the account and damage my credit, do I need to continue paying this card? There is any way that I can get that letter from them, so I can provide this information to other bank in the future? Because apparently this will affect me to get a loan even though I still paying and be resposible with the payments. 
Thank you

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 2016-08-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WA

Complaint narrative:
states its from a payday loan during my service time in Texas 10yrs ago. Military was not allowed to do payday loans at that time and most places would not even let you apply. But i receive repeated calls over the last 9 months. Will not verify debt. Requested debt be sent back to original debtor for proof of debt, Dynamic Recovery explained it would take 1 week to not receive calls anymore. That was XX/XX/XXXX. Most calls hang up on me, others will be rude and dismissive and never will a voicemail be left. Most recent call today XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlantic Credit & Finance, Inc.
State: MI

Complaint narrative:
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.

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 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report. 


XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Jacobs, Marsh LLC
State: CA

Complaint narrative:
Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aqua Finance, Inc.
State: NJ

Complaint narrative:
The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I asked for a loan Modification ... .has paid the trail period a few times ... But the loan interest is still high and the payments not as good as XXXX and otehr banks ... THey are not discountqsing THe Obama XXXX discount of {$100000.00} per mortgage ... loan ... Iasked for a modification agreement not a lien modification agreement ... .We both must agree on something and erase all the arrears since this loan is a toxic loan, given up from XXXX XXXX They should give what the consumer can afford ... SPS servicing can only erase {$300.00} or less on d payments infact other banks and collection agencies drop to {$800.00} less and up to {$1000.00} less from current payments ... because they dropped their interest up to 2 % a year for 5 yrs..then it goes up..after five years of payments ... we want to resolve this issue ... immediately, they are forcing me to sign ... a contract that I am not happy and still high..monthly payment ... Thank You ... XXXX or XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.

Company response to consumer: Untimely response