vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: IL

Complaint narrative:
The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX  has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/17 my checking account with Huntington Bank had an unauthorized charge was stolen by XXXX XXXX. I had no agreement, contract, or authorization for him to charge my account. 

I cancelled the transaction with Huntington Bank and was refunded the amount. 

XXXX XXXX has come up with a very elaborate story " affidavit '' about way he stole the money. This is not an agreement with me. Huntington Bank has now took the transaction back based off this. And now my checking account is in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
Didn't receive enough information to verify debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,

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 monetary relief
Consumer complaint received 2018-02-15 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: PA

Complaint narrative:
I tried to upload these documents on the Experian upload portal for identity theft. The documents will not upload. XXXX XXXX Account number, XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account number The XXXX XXXX Account Number. I did not open these accounts.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/2018, Coinbase withdrew {$2300.00} from my account without prior authorization and no services/goods rendered. They stole my money directly from my account, resulting in withdrawal and overdraft fees. Called Coinbase, was on hold for 2 hours before I hung up. Emailed them, have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am on the phone on hold for over 1 hour and 20 minutes waiting for Experian to answer a question about my account charges. I have been a customer since XX/XX/2009 and this is how they treat you when you have a questions about their charges. I'll bet this is not the way they treat someone who wants to sign a new contract. 

The call took a total of 2 hours and 2 minutes of my time. 

While I intend to leave Experian because of this treatment, Experian needs to be investigated about how they respond to their customers.

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 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal 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 explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
I was called on XX/XX/XXXX about a debt collection. When I returned the call I found out that they were trying to reach someone else but had the wrong number. I asked them to remove my number from their list and to not call me again. 
Today, XX/XX/XXXX they called again looking for the same person after I told them to remove me from their list because they have the wrong number. I'm tired of being harassed for someone else 's debt. They keep looking for a XXXX XXXX, and I am not him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 2018-02-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
The company below says I owe this and is threantening me to ruin my credit if i dont pay. 

XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/XXXX {$850.00} 1 Month {$850.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX Collection Account Closed XX/XX/XXXX {$850.00} Unpaid MEDICAL Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Open XX/XX/XXXX {$850.00}

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 2018-02-15 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:
The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.

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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
Was contacted on my cellphone from a company FBCS : FBCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, Pennsylvania XXXX Web Address : www.fbcs-inc.com Left a voicemail initially, saying that I had to re-pay a debt. Called the return number ( XXXX ) and person on opposite end asked for my tel #. Upon providing, he mentioned that the debt was for someone else and not me, and that my name will be removed. I want to make certain that my name is removed, and I want to understand how my name was on this list in the 1st place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But XXXX XXXX sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
trying to get my credit report from Transunion for three days, and they keep on giving me the runaround.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
All the charges I have paid for Coinbase within the last month and beginning of this month, has been charged to my bank account twice.That is absolutely absurd and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2017 my check # XXXX was debited from my checking account, and this check wasn't cashed by XXXX XXXX XXXX, I requested a copy of the endorsement of whom the fund was credited to, Bank of America can't give me satisfactory answer, since this contractor breach of contract that I needed proof of payment in court.

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