vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
To give truck back first and they would n't accept it. Then I became  XXXX  so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open  XXXX   XXXX ,  2010 .

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 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: YKS Acceptance, Inc.
State: NY

Complaint narrative:
I am having trouble with Herbies Auto Sales. We purchased a vehicle in 2014, to find out that it is not a purchase but a lease. They charged us for a 24month/XXXX warenty and the vehicle had XXXX miles on it. Their is a law suit against these people already for the time frame we received our vehicle. I need to know who to contact in this regards. They are also charging us almost double the amount that we were told.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has a medical bill showing as in collections. I first disputed the collection account and further sent documentation showing the debt was paid in full. They still determined that the debt is valid. I believe they did n't even take the time to properly review my dispute.

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 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX   XXXX  -fraudulent  XXXX   XXXX   XXXX - XXXX -fraudulent  XXXX   XXXX  fraudulent    XXXX   XXXX    XXXX -wrong in formation never late account in forbearance.

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 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
Several years ago, I got behind in my HOA on my property. The  HOA s ent my debt to a collection company, cal l SBS lien Services. I rec eived a payment plan. Last year I got behind by 45 days due to my business being slow. I asked for a meeting with the  HOA and they never resolved the problem. I made sure I paid the monthly HOA because the Davis Sterling act states that legally the HOA has to accept my c urrent payment. Last month my father passed away and I was involved in his passing and his funeral expenses. At the time of me staying at the Rest home with my father the  HOA 's collec tion company sent me a letter on  XXXX   XXXX , which I received on  XXXX   XXXX  asking for {$5500.00} by  XXXX / XXXX / XXXX  only giving me 4 days to come up with money I did not have after paying for funeral costs ( I have the death certificate to prove it ). In the letter they wanted {$5500.00}. I did not even get the letter until  XXXX / XXXX / XXXX , and I was paying my curren t HOA. The HOA did not give me a chance to make payments. the cost seem to sky rocket even though I was paying the {$200.00} current fees. The collection company sent my file directly to a Trust Deed sale, with out a current notice of Default. The lien service last file of notice of defau lt was in  XXXX , with the last notice of trust Deed sale in  XXXX , and a release of the les pendance in  XXXX . I feel since I was making the payment and paying extra t he HOA should be advised to allow me to have a payment plan and remove all the additional fees they added for the trust deed sale without a current notice of default. SBS Lien services did not give me enough time to even come up with the lump sum. In addition the HOA wa s not advised correctly as I have a modification on the home on the loan at $  XXXX  and the value is only  XXXX  Th e HOA will owe more on the home than it is worth which means they were not explained the circumstances by their property manager who is not following the Davis-Sterling Act or the collections company. I do not want to los e my property, yet t he offer too me was unfair only giving me 2 days to come up with {$5500.00} and not the Trust Deed sale is requsting over {$7500.00}, {$2000.00} more. I sent them all the money I have {$3000.00} and all I am asking for is a fair payment and not a foreclosure. SBS c ontact is  XXXX . I was never contacted by phone, nor was I invited to a meeting with  the HOA, PLEASE  HELP ME..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Financial, Inc.
State: VA

Complaint narrative:
In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included Just Military Loans as a creditor. Just Military Loans continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections company  XXXX   XXXX   XXXX  has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted  XXXX  asking them to remove the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX-XX/XX/XXXX -fraudulent XXXX XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX XXXX-XX/XX/XXXX-wrong in formation never late account in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included  XXXX   XXXX   XXXX  as a creditor.  XXXX   XXXX   XXXX  continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: WI

Complaint narrative:
TransUnion had reposted a paid debt that had been handled by   XXXX   XXXX   located at   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened   XX/XX/XXXX   (  6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to TransUnion as with  XXXX  and  XXXX  that the debit is paid, the only one NOT following federal regulations is TransUnion. I called TransUnion  XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed TransUnion to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned TransUnion into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior   XXXX   did to me when I had the issue with   XXXX   XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they ar e apt to destr oy and ruin people intentionally.

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 2017-06-11 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: Diversified Consultants, Inc.
State: WI

Complaint narrative:
XXXX  had reposted a paid debt that had been handled by Diversified Consultants located at DIVERSIFIED CONSULTNTS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened  XX/XX/XXXX   ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to  XXXX  as with   XXXX   and  XXXX  that the debit is paid, the only one NOT following federal regulations is  XXXX . I called  XXXX   XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed  XXXX  to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned  XXXX  into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior  XXXX  did to me when I had the issue with  XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they are  apt to  destroy and ruin people intentionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 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: GA

Complaint narrative:
Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX   XXXX   XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a   ) ( 5 )   ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.  <P/> Under the F CRA 15 U.S.C. 1681i, all un verified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.

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 2017-06-11 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: GA

Complaint narrative:
Since   XXXX   of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act , 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing the m to 3rd par ties you are damaging my reputation and credit worthiness.  <P/> Under the FCR A 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 2017-06-11 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: GA

Complaint narrative:
Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from  XXXX   XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parti es you are damaging my reputation and credit worthiness.  <P/> 
Under the FCR   A 15 U.S.C. 1681i, all unver ified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
I received a letter from Contract Callers Inc on  XXXX   XXXX ,   2017. The letter was forwarded to my new address from an address i no longer resided.
<P/>
Contract Callers Inc, is attempting to collect a debt that is NOT mine.
i request th    at Contract callers Inc. provide verification AND validation of this bill.
provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.

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