vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have visited XXXX XXXX XXXX XXXX XXXX for an illness in 2016 and there was a bill of amount total {$3600.00}. At that time I was experiencing financial hardship and did not have any income from work and was in the middle of the marriage crisis and divorce. The low income government health insurance plan did not qualify me later until I had the divorce paperwork finalized. And I had been unstable with my living address and changed my cell phone number several times to avoid my ex-spouse harassment. I am not aware that I have an unpaid medical bill until now and the payment had been sent to CMRE FINANCIAL SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX. I had never received any collection letter or phone call from CMRE that I need to pay for this specific medical bill. The collection account had been opened since XX/XX/2016 for 2 years, 8 months. I hope that XXXX XXXX XXXX medical center can dispute my medical bill due to my financial crisis at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for a new checking account and savings account with chase with a promotional coupon code so you would receive {$200.00} after opening a checkingaccount and you've met the requirements stated in the fine print. For some reason two accounts were open in my name with chase. Upon noticing this error i messaged chase and they said they would remove the extra account for me and KEEP OPEN THE ONE THAT HAD THE PROMOTION CODE ON IT. ( PROOF IN MY MESSAGES OF THIS CONVERSATION ) WELL, thinking everything was all set I had my employer start putting weekly payroll into my checking account. 
I kept checking in with reps ( again, proof on phone calls and in my messages with them ) and all of them guaranteed they see I've been fulfilling the fine print promotional requirements and that my {$200.00} bonus will be deposited within 10 business days. Ok, 10 business days go by and 3 weeks of direct deposits and still not bonus. I call, and the lady said " I do see you have the code! Since today IS the 10th business day but it's Friday..funds are deposited on Tuesdays so technically yes, 12 business days '' ok ... my patience is thin but whatever. Tuesday rolls around. No deposit. I call. Then a representative tells me the other rep closed out the WRONG CHECKING ACCOUNT. are you KIDDING ME. UNACCEPTABLE. and EVERY SINGLE PERSON kept saying I'm getting the deposit. Every week and NO ONE SAW THIS MAJOR ERROR UNTIL AFTER??? IM LIVID. so then they put in a extra " investigation '' so Tuesday and fast forward to today, Saturday. I finally get a call back with the conclusion, even though they admitted it was THEIR MISTAKE there's NOTHING they can do. I'd have to " create " a new checking account with new coupon code and have my employer start direct deposits all over again in a new again and set up my auto pay bills from a new account too. Basically a huge inconvenience and terrible customer LYING service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I have a car loan with Toyota Financial which I pay monthly and in advance. My regular due date is the XXXX of each month. Not only do I pay in advance, I pay more than the agreed upon payment ( {$340.00} ). I called Toyota Financial 's customer service in XX/XX/2019. My XX/XX/XXXX statement showed my next payment date is XX/XX/2019 where I owe {$19000.00} My XX/XX/XXXX statement showed that I owe {$19000.00} and that I made a {$340.00} payment. I was told that I'm being charged a late fee ( although it doesn't show ). I have never been late making my payments. In addition to this my XX/XX/XXXXstate shows that my next payment due date is XX/XX/2019 ( shouldn't it be XX/XX/2019? ). When I called Toyota 's customer service again in XX/XX/XXXX, I was told I'm being charged daily simple interest. This is a car loan and not a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Superior Adjustment, Inc.
State: FL

Complaint narrative:
Called company and they were aware it was submitted to insurance wrong. I am 100 percent XXXX veteran and the XXXX XXXX XXXX was paying for all my visits tests etc. I also have XXXX for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Three issues : 1. Online chat showed conversations of MANY other customers ' conversations. The messages clearly demonstrate that other customers are seeing threads that do NOT belong to them. This is a huge legal and compliance issue. 
2. Account is not activated when agent said it was. This is lie and deceit. 
2. Business card accounts can not be registered or managed online. This is a known issue without deadline for resolution. 

Details below : Opened a CitiBusiness AAdvantage Platinum XXXX card in XXXX. 

Two weeks later, finally received card in the mail. 
Same day, I try to activate it online. Keeps saying " information is incorrect. '' A week later, I get text messages AND mail that there was fraudulent activity on my account. 
I call Citi Customer Service three times. Open online chat. 

Citi agent, on the third time, asks : Did you call a week ago? We suspect it's fraudulent call, and may need to close your account. 
After explaining that was me trying to activate the card, he said the card is not yet activated. 

I was then transferred to a rude agent, who was not trying to help at all. 
I have spent over an hour with a large Financial institution, and during this whole time, have not been able to use the card for a single transaction. 

After being transferred again, the Citi XXXX XXXX team tells me that it is a known issue that business customers can not register the card online nor manage it. There is no time for resolution.

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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

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 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : 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 explanation
Consumer complaint received 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX-XXXX-XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : 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 explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, there was a collection account opened at collection company named COAST PROFESSIONAL with the amount of {$3000.00}. I was not sure what was this bill about as it stated that the original creditor was from my XXXX school that I graduated in XX/XX/XXXX. I had never received any email or bill from my graduating school that I owed them any kind of bill. To my best knowledge, I only had government loan and the rest I paid my tuition using my own savings. So when I received this letter in XX/XX/XXXX, I was not sure about the letter and thought it was not true. I also gave birth to my child around the same time and did not react to the letter in a timely manner. I reached out to my school in XX/XX/XXXX and school had informed me that they had made a mistake on billing and sent the amount owed to collection. I immediately paid my bill off of the amount {$3000.00} after knowing that the letter was sent to me correctly.

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 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX  XXXX {$580.00} XXXX   XXXX {$660.00} XXXX XXXX {$430.00} XXXX {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : 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 explanation
Consumer complaint received 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX XXXX  {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX  {$430.00} XXXX {$18000.00} XXXX XXXX   {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX  {$3400.00} XXXX XXXX XXXX {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX/XXXX {$430.00} XXXX  {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me.

Sincerely, XXXX XXXX XXXX Cc : 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 2019-05-05 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: IN

Complaint narrative:
I paid have remained current or paid my balances off to my creditors. I paid XXXX XXXX off recently and left the account open. My scores increased with XXXX, XXXX and XXXX XXXX. My scores ranges from 679-700. With Experian I enrolled in boost and before they finally updated the credit score, my experian credit score was XXXX. When experian updated my credit score, it dropped 15 points to a XXXX! When I called to speak to an agent. I was transferred several times before I spoke to someone in the correct department. When I asked if there was anything current that was negative on my report, I was told no. The agent said the bankruptcy in XX/XX/XXXX, the late payment in XX/XX/XXXX, and the years of the oldest account is the reason why it dropped. That's an unacceptable excuse. My score has increased do to current payments, and a lot of hard work and consistency. I demanded my 15 points back and was denied. I don't understand why they would consistently increase my score and give me a boost, to bring it back down because I paid off a credit card that I left open. Since I paid XXXX XXXX in full my score for XXXX XXXX is a XXXX. Experian is the only creditor which lowered my score. was told to notify consumer finance and make a complaint.

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 2019-05-05 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: Clarity Services
State: TX

Complaint narrative:
ID theft victim XXXX, XXXX  and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: SELLING SOURCE, LLC
State: TX

Complaint narrative:
ID theft victim XXXX, XXXX and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: Thaxton Investment Corporation
State: AL

Complaint narrative:
I'm written this complaint because I am a victim of fraud and the company name are Quick credit in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX  they remove the fradulent account but XXXX I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to XXXX I want it remove from my credit report this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a Wells Fargo Visa credit card back in XX/XX/XXXX. During the application process, the representative who put my SS number through, got it wrong. I repeated myself at least 3 times too. It has been XXXX ever since. Each time I call, the automated service denies me as a customer. I have called for two months about this issue and I get the same run around response ... '' I have forwarded your complaint to the executive office. Someone will call you back within 2-3 days. '' They are full of it. No one has called!! 
What I don't understand is how I even got approved? They tell me they can find me in the system but it is WRONG through the automated service. How can they mess up something so important?? And it's evident they are not taking this complaint seriously. I am tired of trying to resolve this with them. I even mailed out my correct SS number on a form and it's STILL not corrected. I'll never do business with them again after I pay off this 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 non-monetary relief