vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX calling me in regards to an old debt. I had already requested verification of debt months ago and they refused. A gentleman by the name " XXXX XXXX '' states he is the in house lawyer, threaten me that he was going to come to my place of business, using foul language when I asked him for proof that he was indeed a lawyer. Calling my family members after I have already made contact with them and providing them with my personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I received a text message that reads : Please contact FCR regarding your account at XXXX or call XXXX. This is an attempt to collect a debt. 

I called the phone number yesterday, XX/XX/XXXX. The person I spoke to said I owe XXXX XXXX   XXXX XXXXXXXX XXXX XXXX {$930.00}. She said that the account had been submitted to a law firm ( I dont remember the name of the supposed law firm ), that was preparing to demand payment in full plus unspecified legal fees. I asked the woman to give me a phone number so that I could contact the law firm. She told me they would not speak to me. She then told me that FCR would reclaim the account from the law firm if I would agree to pay them {$150.00} per month for the next 6 months, with the first payment due immediately. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX this morning, XX/XX/XXXX, and confirmed that my account with them was paid in full years ago. I was treated by physicians there in XXXX. I also checked my credit report with XXXXXXXX. No debt collection claims against me have been submitted to any of the three major credit report companies. 

FCR is attempting to defraud me of {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely. 

1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize. 

2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer. 

3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees. 

The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank. 

As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX? XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX/XXXX  XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: MS

Complaint narrative:
RE : Willful Noncompliance with federal credit laws : Failing to Follow Debt Dispute Procedures Reporting a debt as charged off when it was settled or paid off Reporting late payments when your payments were timely Reporting old debts as new ones Inaccurate statement of balance due Experian XXXX. XXXX XXXX XXXX, TX I submitted a dispute on XX/XX/2019 and XX/XX/2019 for the following account : XXXX XXXX, Account Number XXXX date is incorrect, balance is incorrect, original creditor paid and I have not received any correspondence from you or the collection agency that this item has been reinserted on my credit report. 
The representative informed me that a thorough investigation would be conducted. This was obviously not done because the item was immediately validated as accurate. 

XXXX XXXX XXXX, Account XXXX XXXX account details are incorrect. Please provide full details of validation efforts XXXX XXXX XXXX, Account Number- XXXX Account paid under wage garnishment XXXX XXXX XXXX XXXX , Account Number- XXXX Documentation has been previously mailed several times regarding the correct/updated balance after the vehicle was sold. You refused to acknowledge the documentation I submitted. This is old information furnished as new information. This is a clear violation of my rights under federal law. 

XXXX, Account XXXX, XXXX - Unauthorized charges billed to an address that I do not live and have never lived at. 

the agency came back both times in less than 24 hours with the item remaining and claiming to have verified the dispute. Now, they are refusing to reinvesigate any further, deeming it frivolous.

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 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC services was contacted by my local court cause I owe the court money for fines I don't have {$5000.00} dollars to just pay all at once The court however does take my tax refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Purchased flight with XXXX XXXX for {$510.00} on XX/XX/XXXX. 

Airline went bankrupt before my scheduled flight XXXX XX/XX/XXXX. XXXX XXXX, so I filed a dispute with Chase as I never received the goods/service I paid for. 

Disputes, correspondence, updates to claims, and phone calls were filed with Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Even more perplexing is that this was a family vacation. I booked my ticket separately on my own, my family booked theirs via XXXX on their own transaction, but they received a refund via chargeback from Chase, but I was denied. 

CLAIM ID : XXXX CLAIM ID : XXXX CLAIM ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were ever any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
The XXXX part of my background check is incomplete. 

The XXXX was dropped to XXXX XXXX and then the XXXX was dropped completely. 

The XXXX XXXX was unfounded, I completed the process they requested of me, so I do not have any XXXX XXXX  on my record. 

I had no problem renewing my US Passport due to no XXXX on my record. 

These two incidents were a matter of being in the wrong place at the wrong time and I should not be punished for this. I am simply trying to get a simple job and I have a college education. Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. Caliber home loans left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from Caliber admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. Caliber home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they 9XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian XXXX/ XXXX XXXX your experian fraudulent reporting : in your response case XXXX you experian state data furnisher verified that the information was accurate XX/XX/2019, you state on XX/XX/2019 that you sent supporting information to me. I request that you experian send to me a tracking number that it was sent because I never got the report, NOW you experian state that data furnisher verified WHO is the DATa furnisher you are implying sent the information it was verified, BECAUSE I sent in this dispute 2 facts one from data furnisher who is not legal owner of account and legaly can not report account, and fact 2 debt collector who states remove account at once two time now from my credit report. I demand who verified this account that is clearly to be removed as per debt collector requested.if you refuse to answer this question to my self and the CFPB in there response remove this fraudulent reporting at once, also your tracking of your responed letter you experian claim to of sent methat i never got. CFPB the question is who verified this account experian claims as data furnisher when i enclosed the facts to remove account

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 2019-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX ; XXXX and XXXX  are reporting incorrectly a charge-off balance of {$4700.00} on the TOYOTA MOTOR LEASING account number XXXX. ( Please see page 5 of the attached credit report. ) This vehicle was sold at auction and Toyota informed me that they did not receive enough money for the vehicle at auction and consequently there was a remaining balance due of {$4700.00}. I requested documents from Toyota verifying the amount due, however I never received anything. It is illegal to charge someone money that is not owed and also to not provide any documentation to back up the claim of an outstanding balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation