vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I received a loan for {$2600.00} from XXXX XXXX over 5 years ago which I defaulted on. They sold my account to XXXX XXXX which I had an arrangement set up to resolve my account in 2 payments in XX/XX/XXXX ( I have the email correspondence still ). Mountain Lion ( D Scott Caruthers ) starting contacting saying that I still owed on the XXXX XXXX account. They would harass me at work which resulted in me filing a formal complaint since I asked them multiple times to not call me at work. In XX/XX/XXXX, they started garnishing my wages. They have already taken over {$4600.00} from my paychecks to date. For a {$2600.00} loan ( which was resolved in XX/XX/XXXX ), I have paid back over {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tulsa Adjustment Bureau
State: CO

Complaint narrative:
I have repeatedly contacted company and have gotten 4 different excuses on why collections from Tulsa adjustment bureau and also faxed numerous paperwork proving bill was discharged in bankruptcy. ive disputed this bill with credit bureau numerous times yet Tulsa adjustment bureau has responded all info is correct. Tulsa adjustment bureau has reported this debt to XXXX as recently as XXXX XXXX 2017. clearly this was after all my previously efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TX

Complaint narrative:
This is response to a earlier complaint against Equifax - CFPB  Case No .  XXXX .  <P/> Once again, Equifax have violated the FCRA! Wondering if CFPB are even paying attention to this matter, instead chose to close the said case without fully reviewing entirety. I wo n't be surprised EQUIFAX does not take CFPB seriously!  <P/> Once again, I am disputing - On or before   XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND on or before  XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND AGAIN on or before   XX/XX/XXXX  , I have repeatedly disputed - via Certified Letters - to both the creditors as well as to EQUIFAX without any satisfaction. EQUIFAX will always claim they will review / investigate this matter and yet to ever report their findings!  <P/> EQUIFAX continues to report incorrect statuses. No response other than a computer generated response from EQUIFAX stating they will review / investigate. Because of the EQUIFAX not responding indicates a clear violations of the FCRA. See below typical response from EQUIFAX : COMPANY 'S INTERIM RESPONSE " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' COMPANY 'S RESPONSE " Equifax has reviewed the complaint and its records. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Please note that for future disputes of credit report information, visit www.equifax.com. '' Please be advise that I have sent over  twenty  certified letters (  11  to be exact ) since  XXXX  to both Creditors and as well as to EQUIFAX disputing and requesting debt validations. These alleged debts have been on my credit report since  XXXX , though I paid these debts in full in  XXXX   XXXX !.  <P/> I have requested Debt Validation from EQUIFAX : a )  XXXX  / Preferred Customer Acct No.  XXXX  b  XXXX   XXXX  /  XXXX   XXXX  Acct  XXXX .  XXXX   XXXX  )   XXXX   XXXX   XXXX   Acct No.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation
State: GA

Complaint narrative:
I have had this loan sin  XXXX   XXXX ,  2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation  the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
<P/>
In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
<P/>
I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
<P/>
Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion had a computer glitch which caused inquiries to be deleted from my credit report and then later added back to my credit report without giving me the legally required notice 5 days prior to re-adding them. I contacted TransUnion in good-faith on XX/XX/XXXX and asked that they remove these inquiries. They did not remove them. These inquiries are a hardship and were illegally added again. My rights have been violated and I am being victimized by TransUnion. I am asking that you help me resolve this matter by requiring Transunion to remove all hard inquiries on my credit report from XXXX and 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 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Oracle Financial group left VMs on two private cell phones of 2 personal friends on XXXX XXXX, 2017, stsatimg they were trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Reference Policy Number XXXX General Insurance Company of America Automobile Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX XXXX XXXX # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates wereXX/XX/XXXX,XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges.
<P/><P/>
Previous employees resided in XXXX XXXX XXXX XXXX identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency.
<P/>
I have been threaten since XXXX with violence, disclosure of private information and destruction of personal property.
<P/>
Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
<P/>
Malfeasance in office by XXXX XXXX Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX  XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : 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 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened.
I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ).
<P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA 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 non-monetary relief
Consumer complaint received 2017-07-14 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: FL

Complaint narrative:
On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TX

Complaint narrative:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: GA

Complaint narrative:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA 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 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately.
<P/>
I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company.
<P/>
I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation