vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Payday loan 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: BlueChip Financial
State: TN

Complaint narrative:
XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with 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 2018-01-30 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: CORELOGIC INC
State: MN

Complaint narrative:
On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more

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 2018-01-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Care, LLC
State: NC

Complaint narrative:
XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors  ... ... 

After checking my credit reports, I noticed a collection from XXXX XXXX. 

1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety. 

2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it. 

3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).

4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it. 

5. I disputed the information with XXXX, XXXX, and XXXX  ( certified mail ) and XXXX   and XXXX came back that the information was accurate and verified ( credit reports attached ).

Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.

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 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WV

Complaint narrative:
In 2016 I paid income tax on XXXX discharged debt evidenced by a XXXX cancellation of debt ; however Fay servicing, a third party, continues to list it as an interest deferred principal I want this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
unfortunately at the current time since XX/XX/2018 I haven't been able to make my payments to navient due to my insufficiency of being able to pay all my current bills. I have asked navient to defer any of my payment ability .. in which they declined ... Since XXXX 2018 I get like 1-3 calls per day fro m randing area code # 's all in which are Navient requesting contact wih me. I have rejected almost all of them ... and consistently explained my reasoing of un-payments .. Still they continue to harrass me daily.. What can I do next? 



THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/ 2017 I received a call at home from the fraud unit of PNC Bank stating there were 2 fraudulent charges on my credit card. Someone managed to get a copy of my card and purchased 2 XXXX XXXX  for a total amount f {$2000.00}. It would be physically impossible for me to do that. I was at work or on my way home from work in XXXX, NJ and the phones were purchased in XXXX, NJ. No one else that I know of had possession of the card. Someone has clearly cloned the card. 

The investigation dragged for months with the person from the fraud unit barely contacting me. 2 months later I was told to file a police report but with no clear direction where it needs to be filed and being I had destroyed the card in question, I wouldn't be able to provide that to the officers. I would lose at least 2 days of work having to do this. When I would try to call the fraud investigator, I couldn't even call her directly via her extension on the papers she sent over. She had the wrong number. 

When I was finally sent a copy of the receipts, the signature is clearly not mine. I do understand that it's one of those signature pads but that is not how I sign my name on those pads.

Last week, I manage to escalate this to a manager in the retail escalation unit and she leaves me a message it was " resolved ''. Resolved meant that I was charged back for those phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: MS

Complaint narrative:
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

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 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I borrowed $XXXX from XXXX  on XX/XX/XXXX with a payment of $XXXX a month.  At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years.  I was told at the time the contract was for 24 months.  This company is taking out $XXXX bi-monthly, making me pay $XXXX per month.  When I called to pay off the loan I was told that I would owe the entire $XXXX   on the loan.  they did not remove interest ($XXXX)that had been assigned to loan.  As of today, after 71 payments of $XXXX  I still have a balance of $XXXX.   This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans?  Thanks,XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank has notified me that i have a escrow storage of {$3000.00}. I called the escrow people on XX/XX/XXXX and was told by the agent that when I filed for Bankruptcy in XX/XX/XXXX, USBank bankruptcy people took {$2400.00} from my escrow account and never returned it. That never told me about this. It may be more than that. 

The bankruptcy was discharged XX/XX/XXXX and i kept my house as i was current on the payments. They withdrew money from my escrow account for some other purpose than covering taxes and insurance. AND they never told me. And never returned it. 

They also did this in XX/XX/XXXXwhen they mistakenly paid for two homeowner insurance policies. I had that fixed and repeatedly asked if my current payment of {$960.00} was the right amount and have letters saying that was correct. 

XXXX XXXX in the bankruptcy was supposed to call me but to date has not. 

I need a full review of payments and withdrawals from XX/XX/XXXX to present. 

No matter what the outcome, USBank must be required to stop withdrawing money from escrow without telling me immediately! And not use escrow for other purposes then taxes and insurance.

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 2018-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with XXXX and Kohl 's? XXXX XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company keeps harassing me sending me emails everyday and phone calls. I've stated to the company that this is not me and I've never had the account. ive asked several XXXX to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: PA

Complaint narrative:
Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide proof of balance as I have uploaded the document from XXXX XXXX XXXX. Nor has Experian provided any proof of any from XXXX of the amount of the loan. Experian has not provided any proof of XXXX being the original owner of the requested loan. 
Experian states that they have the loan amount right as stated by Experian of {$24000.00} in which is wrong and I have the proof of the document from XXXX XXXX XXXX of the loan being {$25000.00} so how is Experian response right as they claim but have no supporting documents from XXXX XXXX XXXX as proof. As Errors in the reporting you cant say XXXX legally unless you have documentation that they were the original owner of the loan or provide documented proof of the said loan. XXXX XXXX XXXX is the owner of the original loan not XXXX. Experian needs to provide me documented proof of the documents. XXXX XXXX Cleary states on there letter they did not report this loan and Experian has XXXX/XXXX XXXX XXXX on my credit file so 2 company 's cant show one reporting and the other on the same trade line but one provided proof and as of yet Experian has yet to prove or provide documents as XXXX XXXX XXXX. I did not sign any loan agreements with XXXX nor has Experian Provided any proof of this in any way. Experian has not provide any proof of the loan amount as they show as {$24000.00} when in fact my documents show XXXX in which by law is no correct nor right and violates my rights of a debt not showing correct or document proof from Experian other wise to prove me wrong. As XXXX stated in there letter they did not provide delinquency information to the credit reporting agencies. I have yet to see any documents from XXXX as the loan original owner or documents from Experian there cant be 2 loan company 's on the same trade line one reporting and the other one is not but XXXX is not the original owner nor has Experian provided proof to me as they are or any documents. As the loan was adjusted it not correct so there for the loan is in error.

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 2018-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 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: Innovis
State: MN

Complaint narrative:
on or around XX/XX/XXXX i applied for a mortgage, and saw 2 new inquiries on my credit report when there is only supposed to be one. one was dated XX/XX/XXXX and the second was dated XX/XX/XXXX. I want 1 of the 2 inquiries from CBCINNOVIS removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: NC

Complaint narrative:
On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.

Company response to consumer: Closed with explanation