vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
My problem happened on XX/XX/19 at XXXX where my car got repossessed for being 4 days late on my payment. I was cunfused since only being 4 days late I thought I can make a payment on my next payday which was 2 day from that. When I called them on the morning of XX/XX/19 to try and pay to get the car back they asked for 2 more paystub and insurance info. That gave my red flags why do they need more info when I just got this car 1 month ago with paystubs and all the info they needed so I can get the car. Still trying to pay and get the car back the lady refused the payment and told me that she needed to look into how much I got to pay to get it back. So still not letting me pay what was due which was {$270.00} she told me I would have to wait 48 hours more to find out how much I have to pay. Which I thought it was what was owed {$270.00}. She then told me she will call me by noon to let me know how much I have to pay to get it back. I never received a call from them instead I called them at XXXX to get a response on what I have to do to get it back instead I got laughed at and was told she was not going to help me cause she didn't like the questions I was asking. I then ask for my deposit to the car which was {$3000.00} cause I work hard for my money and it seem like they were playing games with me which I got laughed at again. I told her she was very unprofessional on how she was handling this and requested to speak to a supervisor which she told me she was the supervisor. I don't how financial companies can get away with treating people with no respect you are dealing with people 's money and lively hood as of right now I have not heard from them and now I get a busy signal when I call. Side note on my contract stats I have 10 day to make up missed payments before late fees not repo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive reported for years that I have never had XXXX. Instead of removing the fraud account they have marked it as closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is asking for a {$390.00} payment in a debt owed to the school. In the report it shows I was awarded a Pell Grant as well as the Millennium scholarship. Both were more then enough to pay for books and school the whole first year. With classes enrolled to take in 2017 I dropped out of school before the start of the year. So there's no reason for there to be a charge for no appearance in school activities, or to come seeking payment from me when I'm 100 % covered by the government.

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

Complaint narrative:
I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 non-monetary relief
Consumer complaint received 2019-04-04 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: CA

Complaint narrative:
last year I discovered that there where many fraudulent accounts on my credit report, and I did go to the XXXX  POLICE department and filed a ID Theft report and also I went online FTC site and did the same with them. And I did send all the required documents and copies ( several times ) to Equifax several time with a request to open an investigation and to remove the fraudulent accounts from my credit report. Its been almost one year Equifax is refusing ( ignoring ) to do their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2019-04-04 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:
I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: PA

Complaint narrative:
LJ Ross and Associates called me repeatedly over a several month period beginning around XX/XX/XXXX. They called demanding payment for a utilities bill in an apartment I rented in XX/XX/XXXX. Calls from them included robotic calls attempting to obtain my Social Security Number, and collections agents attempting to collect the debt and warning me vaguely about the consequences ( never specified ) if I failed to pay. After Finally paying the amount, giving them my credit card information on XX/XX/XXXX I became curious and reviewed my utilities payment to the company they claimed to be representing ( XXXX XXXX ). All bills had been paid on time, and the month they claimed to be collecting for never had a delinquent payment. Furthermore, they requested around {$87.00}, when the bill amount was {$140.00}. Further research online revealed multiple instances of the company refusing to settle issues such as this, and putting collections tags on credit reports even after the debt was proven to be non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the beginning of 2018, my wife lost her job which caused extreme financial hardship on my family. Our overall household income was cut by 50 %. I contacted Bank of America in late XXXX/XXXX of  2018 to ask for an extension. I was told at that time they did not have an " extension offer '' that month and to call back next month. I called back 30 days later and was told the same thing, no special this month. The representative at that time told me to call back again next month or when I fall behind on my payment, maybe then we can help you. 
Couple of months went by and we continue to struggle. Finally, I got a hold of a manager that finally  approved the 2 months extension and also informed me that they could have helped earlier. So the extension was granted for XXXX and XXXX of 2018, yet, Bank of America reported delinquent payments for XXXX and XXXX and until now, still refuses to remove the negative remarks and all the fees. They continue to deny my numerous requests and claim that it was after the fact. 
We made the same request to other banks regarding our situation, Bank of America is the only one that did this, everyone else was willing to help. It feel like the representative/department enjoys making their clients lives difficult by damaging their credit.

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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: IL

Complaint narrative:
I have been in contact with Statebridge Company, LLC every couple days beginning XX/XX/XXXX at which time I noticed Statebridge had not been sending my monthly mortgage account statements. I was making payments every month and they were receiving them. 
For the record, XXXX transferred my original mortgage ( XX/XX/XXXX ) to Statebridge in XX/XX/XXXX. I have never made a late payment and jumped through their hoops to provide condo and homeowners property insurance coverage on a timely annual basis. I had no choice as to why or whom XXXX transferred my mortgage. 
Ironically in XX/XX/XXXX I received an email from my Bank Bill Pay stating Statebridge declined my payment ( for XX/XX/XXXX ). I made a second ACH payment on XX/XX/XXXX, and when calling to confirm its receipt with Statebridge on XX/XX/XXXX I was told by the customer service agent, it too, was being declined. I then made another payment with hard copy check, hoping they would receive it before the late fees kicked in. 
To make a long story short I have provided Statebridge with copies of manual Check No. XXXX showing back and front cancellation ( Paid on XX/XX/XXXX ), as well as electronic payment ( Paid on XX/XX/XXXX ) with address status VALID and OFAC Status CLEARED, with Reversal Indicator Set to NO. 
Over the last month I have been playing a game of semantics with at least seven different customer service agents, each supplying their own version with derogatory and felonious information as to my account status. They tell me due to my discharged bankruptcy ( filed in XX/XX/XXXX and discharged in XX/XX/XXXX and DID NOT include Statebridge ), they do not have to provide any account information ( current or historical ) or send monthly statements. Because I needed the exact mortgage loan amount as of XX/XX/XXXX stating it was for my Federal taxes, all the sudden the CS agent who said he did not have access to that information, was able to see and provide me with the amount. 
I did finally receive a Loan History Transaction detail via email, indicating payment history up through XX/XX/XXXX and no data or payment information for the XX/XX/XXXX and XX/XX/XXXX payments was reflected ( it does show a XX/XX/XXXX payment and a credit ( {$170.00} ), but I am being told that I owe them {$790.00} due on XX/XX/XXXX. 
Now today, XX/XX/XXXX Statebridge returned my XX/XX/XXXX payment to my checking account. This puts me in a perilous position of being charged late fee, getting a bad credit rating, and further potentially force me to foreclosure. 
If you could please help me correct this situation, so Statebridge files and information are up to date, and I am provided with correct information I hard copy statement ( their website is of no use, I can not view my account or make payments ) that is a true reflection of my intention to regain a good credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/2019 I was at Home Depot and was told I would save XXXX dollars off my purchase that day if I signed up for a credit card. I agreed to do that and paid the remainder I owed on the bill with my debit card. I left the store believing my debt was paid in full. 

Now I have received a credit card bill for XXXX and being threatened with interest charges for a credit card I have never used and was not told that I was going to have that debt. I was frauded and misled, and I don't appreciate it at all what so ever. I was lied to, mislead, frauded by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
The name of this agency who is trying to scam me is called : commonwealth financial systems. 
I got a letter in the mail dated XX/XX/XXXX about a debt from XXXX. There was an original XXXX account number and an outstanding debt amount of over XXXX dollars. I never had XXXX in my life. When i called the number on the letter the shady rep was very combattive and insisted that i started an account back in the XXXX. Thats when things got weird because i am only XXXX years old, so in XXXX i wouldve been XXXX. The whole thing made no sense. The rep then hung up on me and i called back and spoke to her supervisor who advised meni need to send my birth certificate to prove that i was underage at the time the account was opened. This company reaks of SCAM. I then called XXXX to check the validity of the collections and they did not have any account with that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
XXXX XXXX XXXX called me and repeatedly told me that my credit would be harmed until I pay back debt. I said multiple times and asked multiple times if she was saying that it would be harmed every day until I pay the debt she said, yes your credit is going to go down every day to debt is not paid and your credit is going to get worse until this debt is paid.

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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
As of XX/XX/2019 these fraudulant accounts have not been verified through signatures, photos or any other verification method that substantuates the adverse results on my credit report XXXX, XXXX and XXXX. The following accounts are to be taken into consideration : XXXX  XXXX, XXXX XXXX, XXXX XXXX and 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 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
I completed paperwork for the Toyota Motor Credit settlement. I received a letter that I was turned down without an explanation. I sent an email asking for details about the determination. I received a phone call on XX/XX/2019 about the settlement. I was unable to answer the call. When I called back, I was told that I was not eligible again without any rationale and, also, told that no appeals were possible. Toyota Motor Credit is still playing games. If I am truly ineligible, provide a written statement explaining. Now, I am frustrated and feel distrustful of Toyota Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Saw an offer on XXXX for a Visa card that would earn me a Companion Pass if I met the minimum spending ( MS ). That was on XX/XX/2019. ( you can see in the attached screen shot that I saved this to my PC on the XXXX ) I signed up. 
When I met the MS and did not receive the Pass, I inquired. 

XXXX directed me to Chase Bank, who said that the offer did not " open '' until XX/XX/XXXX. Nowhere on the ad was that stated ( it just said the offer was valid through XX/XX/XXXX ). 


They are refusing to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from XXXX XXXX XXXX to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to XXXX ( XXXX XXXX XXXX customer Service ) regards to my Credit card and they said my credit card was on collection company name First source, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by XXXX. I try to contact XXXX Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
XXXX keeps adding diversified consultants ( XXXX XXXX ) after ftc told them XXXX XXXX credit report had identity theft. This was never his item.. XXXX has police reports and ftc reports in file on this account

Company response to consumer: Closed with explanation