vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

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 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Advised by Wells Fargo Home Mortgage that my loan modifications in XXXX XXXX and XXXX XXXX were " not converted in a timely manner. Also, the loan modification for XXXX was completed with a " 40 years '' payout. I received two ( 2 ) letters from Wells Fargo dated XXXX XXXX & XXXX XXXX advising me of the errors i.e., six ( 6 ) years after my first loan modification of XXXX. There was no credit adjustment issued on the first modification i.e., XXXXand {$470.00} credit issued on the second i.e., XXXX XXXX which was deducted from the principal balance

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: PA

Complaint narrative:
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off

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 2017-09-21 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto 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 2017-09-21 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires were pulled from my XXXX : XXXX XXXX XXXX XXXX The following inquiries were pulled from my XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: PA

Complaint narrative:
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off

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 2017-09-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Texas Guaranteed
State: AZ

Complaint narrative:
XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
Loan Depot appears to have no bounds to its advertising. I noticed a picture and article written by one of their sales managers on XXXX and there is no proper disclosures, including the XXXX symbol or XXXX ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America, credit card. interest rate was 31 % and monthly payment was {$700.00} per month. Years of XXXX to XXXX I was strangling with personal financial situations, I work on commission and little money I was producing was just enough to eat and pay some bills. In XXXX XXXX I called Bank of America a few times asking to please reduce my payment to {$250.00} x month until I 'll recovered into a better financial. Instead of received help, the bank sent my account to Charge Off Account. 
On XXXX Bank Of America reported Charge Off Account to the credit Burrows, and stop sending me monthly bills statements and phone calls. On XXXX XXXX the bank started to report every month late payment to this date XXXX. 
After account is reported as Charge Off, can the creditor report late payments to the Burrows? these late payments is horrible damaging my fico scores.

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 2017-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Whom it may concern, I have a medical collection account on my credit reports including Trans-union, XXXX  and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit  reporting agency 's.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

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 2017-09-21 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did n't properly protect my personal information. This security breach is well known but I want to make it clear that it was extremely inappropriate and preventable. Almost as bad is Equifax 's subsequent handling of the matter from a victim-experience perspective. They changed their domain name for handling the fallout. They broadcasted the wrong name via XXXX to a phishing site. The page that solicits me to try to rectify the problem expects me to agree to terms of service on _a page that does n't work_, so I ca n't read the terms of service. The links to the terms of service are also shady because they link to PHP scripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing with a complaint against Toyota Financial Services for unfair business practices. In XX/XX/XXXX, I leased a vehicle from Toyota for three years, and in XX/XX/XXXXI opted to return the leased vehicle to Toyota. The vehicle was in excellent condition, with just minor wear and tear. I was very upset when I received a bill in the mail from Toyota Financial Services in the amount of {$2900.00} for excessive wear and use, excessive mileage, and a disposition fee. I do not agree with the charges, as the vehicle is in excellent working condition, but Toyota Financial Services has refused to waive or reduce them. I furthermore do not have the money to pay them, but I do not want this listed as a bad debt on my otherwise excellent credit. Thank you in advance for whatever assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: NC

Complaint narrative:
I had previously submitted a complaint against Transunion regarding some unauthorized inquiries that I had been disputing back and forth with their company. Transunion is still reporting unauthorized inquiries and refuse to help me correct the issue. This has been an ongoing issue since for several months. I have had a fraud alert on my credit report to help monitor it. The following unauthorized inquiries being reported are : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX only have XXXX inquiries that should be reporting on my Transunion. By continuing to report these unauthorized inquiries Transunion is violating the FCRA. As a consumer I am aware of my rights according to the FCRA. The only outcome is for Transunion to immediately remove these unauthorized inquiries and send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

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 2017-09-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Charter Financial Services, Inc.
State: CA

Complaint narrative:
I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation