vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My wife and I are applying for a loan. Our lender was unable to pull the Tri-report because Equifax has both my wife and my current and previous addresses incorrectly annotated. The other two bureaus report our information correctly. 

We were advised by Equifax to provide documents, to which we did - via both fax and overnight delivery. one option NOT available to us is via faster encrypted email. We were told the issue would be resolved in 3-5 business days for the documents to be reflected on our credit file, but we would only be notified IN WRITING and via the post office that may take up to 30 days! With today 's modern technology, how can they not immediately email/text us responses that our information has been updated to prompt us to check our files? 

My wife has called Equifax daily, every business day, since XX/XX/2019. As of XX/XX/2019, we were informed by Equifax personnel that her information has not even been received by the bureau. Our queries as to whether or not the fax/mail was received only prompted scripted responses, which of course were of no value, only that we would receive written and mail responses within 30 days as to when they do correct errors that they created. 

We would like the ability to purchase our home but, when dealing with an organization whose business model is based upon data accuracy - and the absolute protection of that data - we can not move forward with a loan because a company has poor business practices. These insufficient business practices include both data accuracy and customer service related to the correction of data errors ( which, incidentally, were created by the business and not the customer ). 

We can not wait the 30 days for a letter in the mail to confirm that our addresses have been updated, nor should be wait beyond the 3-5 business days claimed by Equifax to only be told they have not received our information.

**point of clarity - I am writing on behalf of the issues pertaining to my wife. I too have errors just recently discovered, but I have only recently given Equifax my updated information. Therefore, I can not in good faith claim faulty services on my behalf ... yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, I recently applied for a car online at XXXX XXXX car dealership located in XXXX, tx. On XX/XX/XXXX I got a phone call that I was approved after sending all my documents need to their employee, XXXX. When I got there I was under the impression I had been approved for an XXXX XXXX but she had set me up with a completely different car. It was can 2011 red XXXX XXXX, but since I was having a hard time getting approved anywhere I went ahead and agreed. XXXX, had also told me told me she to needed 3 more cars to make her monthly sales and it was close to the last day of the month. I wasn't aloud to test drive or look inside the vehicle because they said the mechanic accidentally took the keys home with him. I agreed to a down payment of {$400.00} which I made 4 days later. We completed, signed, and recorded all the paper work needed and I left there with a loaner car that day and had it for about a week before they met me off the highway in XXXX XXXX, Texas. The car low tired pressure light was on as soon as I got in the vehicle. I called the leader that approved me, AMERICAN CREDIT ACCEPTANCE, to figure out how I make payments and they told me they need some more info from me for proof of employment so I sent all the necessary documents and they approved them, they told me to consult with the dealership about anything else. So I got in contact with XXXX and she told me I had to bring the car back on XX/XX/XXXX so I asked if I would get refunded my down payment and she told me yes if I brought it back that day they told me they could cut me a check. When I arrived there was no check and the finance dept had already left that day.Eventhough I had told her earlier when they were that I was coming but I has to drive 50 miles to get there. So we agreed to have it refunded back to the card the payment was made from, 2 days later after taking the car back. It has now been 2 weeks and the {$400.00} has still not been refunded after calling them several times. I have all the paperwork from the signed contract that stated I would a monthly payment of {$260.00} and that was approved. I am a single mom with 2 toddlers that have special needs and lives with my handicapped XXXX year old grandmother and feel like they have taken advantage of me. If someone could please help me get this situation resolved so maybe I can have a way to take care of my children and grandma and make sure they get the help they need as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC
State: FL

Complaint narrative:
This company contacted me about a false debt that was created by an internet provider that I used to use. I informed them that this was incorrect and later provided them with the dates of when I ended my service with said company. I agreed to remove the debt but they never did. I contacted them numerous times about this and they continued to say that it would be removed. Later they would sell the debt to another debt collection company.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-04 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: GreenSky, LLC
State: FL

Complaint narrative:
I called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be  replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX   AC unit charge, and now I am fighting a bill for over {$6000.00}!!! 
The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a XXXX XXXX watch on XXXX ( item # XXXX ) on XX/XX/2019. I received payment in the amount of {$7100.00} from XXXX XXXX ( XXXX user XXXX ) on XX/XX/2019 via PayPal ( transaction ID XXXX ). 
Subsequently, on XX/XX/2019, Mr. XXXX contacted his financial institution to reverse the charges, indicating the " item was not as described. '' A dispute was opened up on PayPal ( Case ID : XXXX ). I provided XXXX tracking information ( tracking # XXXX ) to indicate the item was received. No complain or correspondence was received from Mr. XXXX. Mr. XXXX did not initiate the dispute on XXXX, nor PayPal. Mr. XXXX essentially bypassed the controls set in place for dispute resolution. 
Mr. XXXX 's financial institution reversed the charges, without requiring Mr. XXXX to return the merchandise. PayPal subsequently billed me for {$7100.00} charged by Mr. XXXX financial institution, without receiving the merchandise in return and has indicated there is nothing they can do to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc.
State: CA

Complaint narrative:
debt collector frequent contact of relatives in different cities/towns where I live. 
debt collector makes veiled threats about prosecution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: WA

Complaint narrative:
Selene Finance will not accept payment of additional principle with monthly payment. Pre payment of principle is authorized with a VA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Account was opened XX/XX/2017 by XXXX this company is trying to collect a debt from me which I don't recall ever having business with said company. ask for verification of debt but hasn't gotten any. Am not so sure they are even legal to be collecting any debt in Florida.

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 2019-05-04 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I first report on XX/XX/2019 XXXX # XXXX. I asked for a Master promissory Note Proving the Loans that they had under my name for there company. The CFPB dismissed my complaint because XXXX/Navient sent a Promissory Note that had nothing to do with the Loans they Claim they have on file for me. 

I have Attached to THIS complaint is the Promissory Note that XXXX/Navient attached with my first complaint ( # XXXX ). I have also attached what XXXX/Navient reporting to the creditors. 

Why are the Original Grantors not the same? Isnt the information suppose to match? 

I also asked my private loan carrier for A Master Promissory Note and I was shocked to find out that they have the same Promissory Note for my private loans that XXXX/Navient have for Federal loans for different schools. 

How is that possible? 

XXXX has told me on multiple occasions and by multiple employees when I have asked XXXX/Navient who my Original Grantor is ; there answer has changed atleast Twice, and now that I see that there reporting that XXXX is the Original Grantor. That's the third misinformation about this loan that they have given not just to me but multiple other companies. 

I have asked an employee and one of XXXX/Navient Managers for contact information to there legal Department. I was told that XXXX/Navient does not have a legal department. 

How do they handle lawsuits without a legal department? 

All conversations were recorded, I have had problems attaching them in the past, but if an email is provided I can submit those recordings Promptly. 

I hope someone really looks into this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have my personal information compromised last year and I was never sent any documents to substantiate a XXXX XXXX XXXX XXXX XXXX. Since any error can or may be present within that data. I respectfully demand that you transmit this documentation as soon as humanly possible. Please send any supplement data materials that can legally verify that this account was legally established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Payments were paid but the hospital billing staff have yet to correct billing g error. All co pays were paid. However when I spoke with XXXX XXXX billing I was told that the payment was showed and issue would be fixed. But they have now forwarded a PAID bill to collections. Bill was paid in full on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc
State: WA

Complaint narrative:
The account was in my fathers name and my mom also signed a few documents. I sent the collection agency a letter proving my mom 's signature was not mines and they threatened to keep it on my credit after telling me to write them a letter explaining the account and them seeing my mom 's signature. They compared the two and still threatened to keep it on my credit. I was never informed the account turns over to me after a certain age, and I have never received any mail about the finance and billing on the account. There adding fraudulent balance and I want this account to be removed or I am going to sue the company. It's been 6 years that I have been trying to remove this account.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need a copy of reports so i can take actions. Fraud, disputes

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 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX  credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. 


I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. 

I will also be filing a report with my California State Attorney General to let them what this company is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been trying to get a lien removed/release from Specialized Loan Servicing. After filing a complaint with CFPB to finally get a response to why XXXX XXXX  was holding title to my primary residence they advised I needed to contact Specialized Loan Servicing. 
I understand that back in the early XXXX 's loans were being sold even before the 1st payment was due. I had 2 loans with XXXX when I purchased the home. I filed BK in XXXX and listed both loans and was discharged. It was brought to my attention that the 2nd lien has not been removed and after submitting a complaint to CFPB I got a response from XXXXXXXX XXXX that advised to contact Specialized Loan Servicing. They will not send anything to me since the systems says I am in a BK even though it has been discharged since XXXX. I have sent several letters to Specialized Loan Servicing but they can't speak about the account.

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 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo NA has broken myriad laws and and violated many SEC regulations, including covert action to block transfers between XXXX and XXXX XXXX  by executing small pending transactions to force The Federal Reserve to be duty bound to reject a money transfer, while I was under duress, and another account holder - XXXX XXXX - had to be my money manager as a result.

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 2019-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2019, three transactions occurred at locations I never went to use my XXXX  credit card. First two transactions at {$300.00} ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the third at {$310.00} ( XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ). I have ONLY used this credit card in XXXX, Ohio and XXXX, Ohio. So there are three fraudulent transactions which took out {$930.00} from my credit card balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank is a disaster in many ways. I wanted to buy a condo, and submitted that request to Chase and 3 other institutes for loans. When I received a better deal than Chase offered, I did not continue with them and made it clear that I received a better deal. After all the paperwork and promises, they had the nerve to send me a letter stating they are turning down my request for a mortgage! I turned them down, they didn't turn me down, and they can't make it appear that they did so, as I was accepted elsewhere, my credit is excellent and I have a 100 % quick payment of bills record. 

I don't want their letter on an record of mine, and the fact that they sent it is fraudulent, along with the fact that I turned them down. This has been going on since XXXX of this year, and I just received their refusal letter. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: MN

Complaint narrative:
Dear Transunion I would Like to Thank you for working with me as we both make Progress and deleteing inaccuracies on my credit file I was Just viewing the FTC website and it states that i can asked you your method of verifcation and you must provide me with any and all Tools and documenets that was used between you and the Creditor pretty cool Huh? I'm going to used my rights per the fcra and asked you How did you verify the account number on the # XXXX XXXX   XXXX. I have told you more than 4 times that this is not my account number but i need for you to tell me Who and how this account was Veriffied and came back to me?? Name Phone numbers what paper work they sent you what paper work you sent them i need to see all of it with in the Next 15 days per the FTC website You have to provide this information ( method of verification is what it's called ) also CFPB Transunion is in VIOLATION OF THE FCRA SEE ATTACHED FILE FOR FACTURE PROOF You are the reporting agency and you like to play games But Look at XX/XX/XXXX there is a 30 day late on this account correct???? XX/XX/XXXX another 30th late correct???? XX/XX/XXXX and Ok correct??? XX/XX/XXXX another 30 day How in the XXXX is this Possible? shouldnt and wouldnt this be a 30 60 90 120 late right?? This information is incorrect and I would Like for you to remove this entire account. major VIOLATION OF THE FCRA ... PLEASE EXPLAIN THIS MESS! THIS XXXX IS GETTING OLD AND TIME CONSUMING BECAUSE YOU GUYS SIT ON YOUR XXXX XXXX AND NOT DOING YOUR JOBS..

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