vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

CEDAR FINANCIAL, ILLEGALLY TRYING TO COLLECT DEBT, ... IF NOT REMOVED PROMPTLY I WILL SUBMIT A COMPLAINT TO THE FEDERAL TRADE COMMISSION AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I refinanced my home mortgage with Freedom Mortgage in XX/XX/XXXX. At that time, I was instructed that I would have to pay MPI for at least 5 years before it could be eliminated as a requirement. The elimination factors for the elimination of MPI were 80 % equity value and no late payments. I have been in communication with the lendor of the course of the 5 years and in XX/XX/XXXX, I was told to write a letter to have the MPI dropped from mortgage after my 60th payment which was scheduled for XX/XX/XXXX. I did so and never heard back. Since then, I've written 4 letters and have had 4 phone conversations. None of my letters have been responded to and I am still paying MPI insurance. When I refinanced, the Home Value Appraisal was {$290000.00} and the refinance amount was ~ {$260000.00}. The loan balance is now {$220000.00}. which has me at 76 % equity value and I have never been late, making additional principal payments the entire life of the loan. I have requested that the MPI be eliminated and all payments starting with XX/XX/XXXX be refunded and applied as additional principal payments. Again, Freedom Mortgage fails to reply to me and take any action to remedy this situation. 
( Note that Freedom Mortgage did an internal conversion about 3 or 4 years ago from their previous processor, XXXX, to their own processing system. It seems that at that time, Freedom Mortgage inaccurately converted my loan balance into the appraisal value field. I have provided them the documentation from the loan closing showing that the value appraisal was $ XXXX, not $ XXXX. I do not want to pay for their conversion error ).

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 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
When I took out the loan I did not understand the terms that I would be paying almost 600 monthly and that the payments were biweekly if this were made clear I would have never taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and noticed that Account Recovery Special is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$360.00}. Please note that I have never entered into a contract with Account Recovery Special. In addtion, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Account Recovery Special indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: OH

Complaint narrative:
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/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 2018-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k?  With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Recently Citibank and XXXX XXXX XXXX have publicly stated they will no longer give loans to companies that manufacture XXXX rifles and supporting equipment. I find it very difficult to do business with these financial institutions as they are infringing on my ability to pursue my second amendment rights. I believe they are making business decisions based on what they perceive as popularity reasons. I am considering closing my accounts with these companies and selling my stock in both companies. I am a Citi customer for over 40 years. I hope you can convince them it is not in their best interests to pursue this.

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 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
When I took out the loan I have been fatefully making the payments under 2016 when my financial situation changed. My interest was over even higher than 100 % of what I brought for my credit was in the 600s however I was only approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: IL

Complaint narrative:
I have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.

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 2018-04-13 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: OH

Complaint narrative:
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: OH

Complaint narrative:
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/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 2018-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase that was started with an email that I no longer have access to. This prevents me from having access to the account. I Called Coinbase support and had my ID verified with respect to this account. They told me they could retrieve it for me. I also have another account with coinbase with an email that I still do have access to, which would make this relatively easy. I was given a case number, # XXXX. However, this was more than 7 days ago, and there has been no follow up and when I call Support again they say there is no timeline to get back to me. So my complaint is I would like to be informed of a timeline to sole the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Experian Information Solutions Inc.

Complaint narrative:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

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 2018-04-13 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: IL

Complaint narrative:
Hello My XXXX XXXX Credit Card was stolen in XX/XX/XXXX it is now XX/XX/XXXX and they are just not refunding me for the monies that was used they forgot to include one of the charges now they are showing late payments on my credit report I paid this account balance to to a XXXX balance In XX/XX/XXXX and XX/XX/XXXX as a result of XXXX XXXX mistake I now have to late payments

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 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

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 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX My wife and I entered into a Debt Relief program with XXXX XXXX XXXX ( XXXX -XX/XX/XXXXXXXX  XXXX XXXX ). We had six credit card that we could no longer pay. XXXXXXXX XXXX XXXX ( XXXX XXXX - Agent for XXXX XXXX ) was one of the debts. They eventually sold the debt to XXXX XXXX XXXX XXXX for pennies on the dollar. All the while I had XXXX negotiate all six accounts. 5 of the debts were negotiated and settled at a fraction of the debt. For whatever reason Portfolio Recovery didn't want to settle the account for less than 80 % +. Original debt was somewhere around XXXX but Portfolio Recovery has it at XXXX. I had a relative that was trying to help us get out of debt and offered a 1 time amount of XXXX to settle the account but was turned down. I asked repeatedly from XX/XX/XXXX thru XX/XX/XXXX thru XXXX to reach a settlement with those funds but they wouldn't accept. Finally I withdrew from XXXX. Portfolio Recovery took up the collection battle starting in late XXXX of this year. Since my wife doesn't work and my income has been very little the last few years ( XXXX  XXXX XXXX XXXX ) we do not have the money to pay this debt. We tried but they wouldn't negotiate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: KY

Complaint narrative:
I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Brightwater Capital, LLC
State: PA

Complaint narrative:
I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I have been struggling due to other debts and medical issues and really needed the funds provided to me however at this time I am unable to pay this debt. I have been diagnoised with XXXX XXXX and have several medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was told that I could not apply to have a private student discharged due to XXXX. I am a service connected XXXX  veteran. All of my student loans were discharged because of my XXXX  except the one " private '' loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Apelles, LLC
State: AK

Complaint narrative:
I received a call from APELLES at XXXX, on Friday the XX/XX/XXXX, which woke my daughter up. This is clearly a violation of the communication tactics approved by current law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: MO

Complaint narrative:
Iam a victim of transunions inquiry issue i have 92 hard inquiries on my report the only items that are mine are for XXXX XXXX  and XXXX XXXX XXXX XXXX which is who i have my vehicle with

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 2018-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX  repo my car inXX/XX/XXXX. They later sold my auto at auction for {$5000.00}. I recently asked XXXX  to send me a bill of sale for my vehicle. XXXX  want to pay {$14000.00} on this car they repo. I need to see a bill of sale of this XX/XX/XXXX XXXX XXXX They ripped me off! I didnt own that much on this car loan. They are loan sharks!! I need some help!XX/XX/XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation