vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The  Company,  TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  TransWord Systems  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  TransWorld,  the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX    XXXX   I was making a purchase in a Gap store and was asked if I wanted to be a 'Gap rewards ' member - there was no mention of signing up for a credit card, not did I want to. I received a new  Visa  card in the  XXXX  and my purchase went on this Gap visa card instead of the card I handed the cashier. The whole thing was deceptive and I never wanted the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: AR

Complaint narrative:
Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.       XXXX   and Experian have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both  XXXX  and Experian stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact  the Court o ffice and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both   XXXX   and Experian.     Please assist with removal of items. Thanks

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 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Checking account opened in  XXXX , met all required promotional activities such as {$15000.00} deposit kept in for 30 days and {$250.00} debit purchases within 45 days, account opened for longer than 5 months now, and no sign of my {$300.00} promotional bonus as promised to me.     Called several times, spoke to a supervisor. Promised to have the bonus by  XXXX   XXXX . Please help Citibank keep their word.

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 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
This is a medical debt owed by my father.  XXXX   XXXX   XXXX  for a hospital stay due to a  XXXX   XXXX . I am  XXXX   XXXX   XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Fl.  XXXX  (  XXXX  )  XXXX  if they would like to pursue the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In my  XXXX   XXXX  Transunion Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on  XXXX   XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX , OH  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 2017-05-08 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
My account with  Continental Finance w as re-billed in the amount of  XXXX  on  XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens  XXXX  watch, was not in package when received. I 've attached photos of  XXXX  box showing it empty. The merchant,  XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.

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 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  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 2017-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.

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 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received a letter from  Huntington National  bank indicating that I needed to make updates to my insurance policy to reflect my address as :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX . Mind you, the letter was sent to the correct address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     XXXX  MI  XXXX . There are no condo 's with the number  XXXX  in my development, I LIVE IN  XXXX   XXXX . Huntington confirms this is the address on my loan, and their insurance department states this is not the address they have and tells me I have to speak with the Mortgage Department. I have tried calling twice to resolve this.   The first call, I called the insurance department, who stated I had to talk to the mortgage department. The mortgage department told me I had to speak with the insurance department. I could n't wait for the insurance department and had to end the call ( I was on the call alre ady ~30 minutes ).    The second call, I called the mortgage Department, they said I had to speak with the insurance department. I held for quite a long time. After getting to the insurance department, they said again, that I needed to speak with the mortgage department.   The property address for my mortgage is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX  I am not calling my insurance carrier to have them update my policy to include  XXXX  as my unit as that is not my address. Something is clearly wrong here.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
When I took out my mortgage in   XXXX  , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank.  XXXX   XXXX  started a foreclosure against me even though I though I took out a loan with  XXXX    XXXX    XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I discovered this information on my credit report. Doctors Business Bureau. Despite repeated requests to them that they show proof of this debt they refuse to remove it. The best I could do was contact the hospital in question :  XXXX  and ask about this debt. They did n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX   Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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 2017-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my  XXXX   XXXX   XXXX  Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on   XXXX    XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  XXXX   XXXX .     It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  x  XXXX   XXXX , OH  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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
Have written 3 times - once to the creditor and twice to the collection agency. Per the law, it was within 30 days of receiving the notice that I requested a full detailed itemized statement reflection the amount they claimed due from  XXXX   XXXX   XXXX  when I switched my service. I still have yet to receive anything at all except a piece of paper demanding the amount with no breakdown of the debt what so ever. They also have placed this item on my  XXXX  even though it was disputed and no proof was ever sent.   This has been going on for months. I gave verbal warning and put them on a  Cease and Desist until any paperwork regarding the outstanding itemized balance is  sent that they claim to be owed.   My phone gets called probably about 8 times a day. It is totally ridiculous.

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I applied for a  XXXX   XXXX  Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.

Company response to consumer: Closed with explanation