vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX has repeatedly called me from XX/XX/XXXX and still calling. They call about 8 times a day non stop. Ive already called to resolve the issue but they still continue to harass 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 2018-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX : Case # XXXX The response from Webster Bank is a LIE, XXXX XXXX NEVER had a POWER OF ATTORNEY that would enable her to handle my fathers financial affairs. I attached the Medical Representative document and the Advanced Directive document. 

The contact number listed in the Webster Bank response letter XXXX is THE PHONE NUMBER TO AN ADULT SEX LINE!!! It's NOT THEIR BUSINESS NUMBER!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent XXXX student loan account. I contacted XXXX to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at XXXX explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this XXXX student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from XXXX I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of XXXX but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of XXXX, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of XXXX. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.

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 2018-05-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
1. In XX/XX/XXXXmy then wife jointly financed aXX/XX/XXXX Toyota RAV 4 with TFS account number XXXX.

2. Her and I were divorced in XX/XX/XXXX. As ordered in the divorce decree she was awarded theXX/XX/XXXX RAV 4. The divorce decree states that she ( the Defendant ) shall assume, pay, defend, indemnify, and hold the Plaintiff ( me ) harmless from the following obligations : para 3. Toyota Financial Services Loan number ending in XXXX which is secured by the XX/XX/XXXXToyota RAV 4.

The additional orders section of our decree required both parties in the divorce to transfer titles for property divided by the decree to the party granted the interest. In the case of the RAV 4, my ex spouse, the defendant, failed to execute the transfer of the title and loan of the RAV 4 to her and to remove me from title and loan. This section also requires private parties to accept this decree as proof of transfer of the title and interest. In this case theXX/XX/XXXX RAV 4.

3. Sometime between XX/XX/XXXXandXX/XX/XXXX, she became delinquent on the loan and there is now a mark on my credit file that identifies me as being 30-59 days late on a payment for that loan in XX/XX/XXXX. My credit files from XXXX and XXXX  both have a red X on this loans payment history for XX/XX/XXXXand state : Worst payment status : 30-59 Days Late Times 30/60/90 days late : 1/0/0 Closed :XX/XX/XXXX 4. I am requesting that Toyota Financial Services remove the derogatory comment/mark from my credit files, and correct my file with all credit agencies based on the fact that she was in violation of a legal court order stated in the divorce decree to pay and hold me harmless from the financial obligation tied to the XX/XX/XXXX RAV 4. She failed to comply with that order resulting in me being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I'm a customer of Wells Fargo Mortgage ( WFM ). I make twice monthly payments through an automated withdrawal from my checking account. I used to make once monthly payments but then switched to twice monthly. Though I make payments of that periodicity, WFM chooses not to apply the payments to my account more than once a month. WFM holds the intermediate payment, and ( 1 ) pays no interest that I can tell, plus ( 2 ) doesn't reduce my interest for the period due to the intermediate payment, until it makes a once a month application to my balance. Wells Fargo didn't tell me it would only credit my account once monthly when I changed. I brought this to WFM 's attention years ago, telling them the process didn't seem fair because it seemed to me I was paying more interest than I ought to and as a result ( 1 ) my remaining principal amount is too high and ( 2 ) the mortgage 's effective annual interest rate was mis-stated. I did not to my knowledge receive an amended fair credit act statement when I changed the payment periodicity. WFM was not persuaded by my points, obviously.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On or about XX/XX/2018 I received a credit report from what was suppose to be responses from dispute processes, instead it illustrates the depths Experian will go to to ignore, evade and continue to violate the law, statue and regulations that cover credit reporting agencies. 

I requested the name, address and phone number as authorized of the third party they stated verified public records, they didnt provide. 

I requested after providing proof of error in the name characterization on my credit report, instead they reported more, no statue or law gives a creditor or credit reporting agencies authorization to change legal names, but Experian seems determined to make up their own laws. No creditor has reported the name XXXX XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX, this is Experian method of justifying erroneous reporting and its illegal. 

The truth is as a matter of fact, their is no public record on XXXX XXXX, their is no account verified for XXXX XXXX with XXXX, yet in order for Experian to continue to report and collect fees for erroneous reporting they just add names to a person 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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I contacted transunion multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX XXXX XXXX New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for murders bank fraud etc. and transunion continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have transunion explain this? they cant the only number transunion should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud XXXX XXXX denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both transunion and XXXX XXXX harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
After paying off my Ally auto loan, they claim to have sent me my car title within 3 days of payoff but I have yet to receive anything. I kept checking the USPS website to see if it has come through yet but never saw any correspondence from them. After more than a month passes I call them again to request the title and they confirmed that they do not have the title so they can only send me a lien release letter which means I have to go through the trouble of filing paperwork for a duplicate/lost title that costs upwards of {$95.00} or more here in Illinois. As I do not believe they ever sent me a title after after speaking with them over the phone I kindly request assistance in what my options are in this matter. I have been researching this online and it appears this has happened to other people as well. Thank you for your time and consideration.

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 2018-05-08 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: RI

Complaint narrative:
The problem does involve my name ... My my name is also being changed on this report. my social security number is being attacked by equifax and i have been trying everything possible including making phone calls to them and sending documents to clear this up. My next move if this doesnt work is to contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting a debt in the amount of {$7100.00} to XXXX & XXXX credit bureaus. The account is reported as open on XXXX, and closed on XXXX. I have requested validation of this debt in writing twice ( XX/XX/XXXX, & XX/XX/XXXX ), and filed disputes with both credit reporting agencies. Neither of these actions have provide verification that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I took out a loan on XX/XX/2015 with XXXX XXXX in XXXX, Illinois. The total amount financed was {$21000.00}. After moving to XXXX I went to another XXXX car dealership in XXXX, NY to request to trade in the vehicle. The representative at this dealership noticed that the loan was overvalued. I am XXXX speaking and had applied for the car loan but was not provided with verbal information or written documents in my native language. After reviewing the loan contract with a financial coach, we identified two supplementary insurance packages added to the loan which has increased the cost of the loan and impacted my ability to pay. The Gap Care Advantage package was added to the loan for a value of {$590.00} and Autoguard was added to the loan for a total of {$1800.00}. I did not consent to these insurance packages. I also noticed a discrepancy in that contract that states the cash down payment was {$3500.00}, however the receipt given to me on the date I took out the loan was for a cash down payment of {$2000.00}. I requested a cancellation of both supplementary insurance packages. I have only received a response from Auto Guard for a partial refund of {$280.00}. The entire cost was {$590.00} and I never consented to the purchase of it. In addition to the dollar value of the insurance, because it was added to the loan, I have also been paying interest on top of the original value. The refund was sent to the car dealer by the insurance company but the car dealer has not provided any information regarding the refund of this insurance. I have called the car dealer on many times and they say they will call back but they never do. I have not received any response regarding the refund of the other insurance package valued at {$1800.00} plus interest on the loan. They also told me that after 6 months of payment, my interest payment would be automatically reduced to 2.99 %. At the time I asked the representative at XXXX to write this down for me and she said she could not, but I could write it down on her business card. Because the car dealership was not providing the financing themselves, they should not have provided me with an offer they had no control over and couldn't execute. They also told me that my payment would be $ XXXX monthly but it ended up being {$330.00}. When I went back to inquire they said it would be reduced after 6 months. When I returned after 6 months they denied making this assertion. I requested to speak with the representative who originally made this offer but they said that person is no longer at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i didn't authorize these inquires and they refuse to remove them after i stated that.

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 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: MO

Complaint narrative:
I recieved a debt collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, c ; XXXX XXXX CA XXXX ; XXXX. I never borrowed any monies from them and so we called them. On the debt collection notice it does not have an amount due just that i have an unpaid balance with them. I called them and they would not release any information without a social security number and other information about myself. I would not release that to them because i have never heard of them and they will not release the information without it. They are threatening me in the letter they sent. I have never heard of this company, nor have i ever borrowed anything from them.

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has on my TransUnion report account sold to XXXX XXXX XXXX XXXX as purchased by another lender which in fact XXXX XXXX XXXX bought back from XXXX XXXX XXXX XXXX XXXX also has yet to clear the matter up after admitting there error to the account. There is no XXXX XXXX XXXX XXXX as sold to as they reported to TransUnion

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 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I called RECEIVABLES MANAGEMENT at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX to inquire about a debt that is currently being reported as OPEN with a {$0.00} balance ; this particular account was originally {$79.00}, I paid off two of my open accounts this year.

For starters, the representative did not Right party contact me, and verify who I was with three questions all she asked for was my name and who the account was with. And then went on to freely give out my information, including my sons name since his name is on some of the open accounts, and openly discuessed how many accounts I had.

I paid the account in full and want it closed so it wont effect my credit score, and was told by the representative that its up to the credit reporting agency to decide if the account will be left as open or closed ; which I know is not true, it has to be marked paid in full and closed. It isn't an open account, there is no balance due! Also, she was extremely rude and talked over me multiple times and I had to raise my voice to get her to listen and let me speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: AZ

Complaint narrative:
I am trying to get help through the Arizona Department of Housing, Hardest Hit Funds Program and my lender Guarantee Rate is not a participating lender. Arizona Department of housing is willing to help me if my lender provides a reinstatement quote with a 30 day good through date and my lender is rejecting sending that information to the Arizona Department of housing or to my housing counselor XXXX with Administration of Resources and Choices her number is XXXX. Our names are XXXX and XXXX XXXX our phone number is XXXX. Please help me get a Reinstatement Quote with a 30 day good through date so I don't loose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion File Number XXXX XX/XX/XXXX Has Promotional Inquiries showing as I opt out in XX/XX/XXXX so why are promotional Inquiries showing

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report

Company response to consumer: Closed with explanation