vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 2017-11-06 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: CA

Complaint narrative:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  TransUnion XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX  10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately

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 2017-11-06 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: CA

Complaint narrative:
I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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 2017-11-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX  rights, as well as fraudulently added an escrow to my account in XXXX. 

At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. 

I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. 

When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. 
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. 

Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of

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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.

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 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via 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 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: OH

Complaint narrative:
The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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