vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to freeze my own, my wife and my father 's credit reports through Experian 's website, but have been denied each time, even though XXXX and XXXX approved my requests.

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 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called XXXX ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does XXXX since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I request Credit Acceptance to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.

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 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
LANIER COLLECTION AG {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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:
As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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:
XXXX XXXX XXXX {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I request XXXX XXXX to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recevie a letter in the mail that was written on XXXX from a debt collector name, XXXX, XXXX XXXX XXXX, XXXX ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased the car in XXXX at a purchase price of less than $ 10K. Santander repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. Santander needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. Santander also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi XXXX XXXX " Thank You '' credit card. When I made a payment to another credit card company through my bank 's online payment system ( EFT ), the payment was inadvertently sent to the Citi card instead. The amount was {$15000.00}. 

I contacted Citi by phone on XX/XX/XXXX, to request a refund by EFT back to my bank. The Citi representative stated that it would be done after review, because the bank routing number and checking account number had to be verified. That, he said, would take 3 to 5 business days. ( I questioned why that was necessary, since the payment came from the same bank and account where the refund was to be sent. ) Nothing was refunded to me, so today, XX/XX/XXXX, I called Citi again and was told that 2 supervisors had been reviewing the matter all this time. ( Citi was  earning interest on my {$15000.00}. ) Today I was told that I could expect the money to be sent to my bank approximately XX/XX/XXXX, but if it didn't arrive to call again. That worries me even more than the stalling I have already endured! 

Please investigate and put pressure on Citi to rectify this injustice. If it arrives as promised, my money will have been held hostage for an entire billing period. 

Citi can identify my account by the last 4 digits of my credit card, XXXX, and my name and phone number.

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 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: FL

Complaint narrative:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

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 2018-12-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

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 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On a letter dated XX/XX/XXXX Chase states they are still working on my billing dispute for XXXX from the XXXX XXXX for {$410.00} on XX/XX/XXXX. It has been over 10 months since the date I initially brought up the billing error to their attention. This is way past the timeframe allowed to investigate and correct any billing errors. I provided Chase with an email from the hotel prior to check in which verifies my lower rate being honored, a copy of the lowest rate and a copy of the hotel 's low rate guarantee. Despite the hotel verifying my lower rate in writing they still charged me 5x the agreed upon rate which was changed after I checked out. I never agreed to, authorized or had any knowledge of the increased rate until after I had left the property. 

Despite the overwhelming evidence validating this to indeed be a billing error Chase has still taken 10 months and counting to correct it. This violated the Fair Billing Practices Act.

Company response to consumer: Closed with explanation