vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX   XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: FL

Complaint narrative:
paid this account off in full {$130.00} as is was stated on my credit report from my checking account XX/XX/2018, never receive a confirmation from them by u.s. mail or e-mail. so I called maybe a month later talk to a lady named Ms XXXX but said she could not help me so she try to put me in touch with XXXX XXXX which took a few days before I could talk to her, and when I did talk to her she said that she would have to talk to her manager about my account because is was showing {$130.00} and I only paid {$130.00} but as I told her I paid what was showing on my credit report which was {$130.00} if it would had said {$130.00} I would had paid that so this company XXXX XXXX XXXX XXXX  XXXX Georgia, so nothing was done with her so I called her back a couple of times and it went to voice mail saying that it was full. so I called back the next day and they put me in touch with a Mr XXXX XXXX and he say that he would see about it and at this time nothing has been done but they have my money I am very upset about this they have reported it to one Credit Bureau XXXX, and when I called back nothing still has not been done with the other two Credit Bureau XXXX  or XXXX so I need some help please in getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: FL

Complaint narrative:
I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My loan was purchased by Freedom Mortgage in XX/XX/XXXX. Our home owners insurance was paid for by us through XX/XX/XXXX. Currently- Freedom Mortgage is trying to illegally make us escrow our Home Owners Insurance although we have specifically told them that we pay it on our own. They have not changed their billing and are still trying to illegally make us escrow our Home Owners insurance even though they have no legal right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have asked to close my account several times. When I call, despite hold times over XXXX minutes, I get transferred among groups. I tried XXXX times last week to resolve this. I have also emailed XXXX XXXX XXXX ( SVP, Customer Experience ) on XX/XX/XXXX and XX/XX/XXXX with no response.

I want to close my account because of the poorly performing website ( endless error messages ) and even worse customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I have dispute an alleged debt from XXXX for {$490.00}. The collector has never sent me any documents proving i owe the debt or how they claim i owe exactly {$490.00}. I do not agree so i disputed it. They allegedly verified it with the credit bureaus. They did not do a reasonable investigation and have failed to provide any proof. They also have been harassing me on my personal cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: PA

Complaint narrative:
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 (XX/XX/2009 ), this notice includes identification of the specific information being disputed : Transunion, XXXX, and XXXX reporting for Acct # XXXX   Date opened : XXXX : XX/XX/XXXXTransunion : XX/XX/XXXX XXXX : XX/XX/XXXXAmount past due : XXXX : {$1800.00} Transunion : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXXTransunion XX/XX/XXXX XXXX   XX/XX/XXXX Last Payment made : XXXX  not reported Transunion XX/XX/XXXX XXXX XX/XX/XXXXReposession : XXXX Not reported TransunionXX/XX/XXXX XXXX XX/XX/XXXXandXX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, Transunion and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2018-12-10 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:
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, Experian, and XXXX   reporting for Acct # XXXX Date opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : Experian : {$1800.00} XXXX : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : Experian not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Reposession : Experian Not reported XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE  ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XXXX also attached are the credit reports pulled from Experian, XXXX   and XXXX  that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 


Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXXprovides a cause of action for individuals against furnishers of information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2018-12-10 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount 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 2018-12-10 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: VA

Complaint narrative:
On XX/XX/2018, I was notified that a hard inquiry had been placed on my credit report by XXXX. I had not submitted an application or had any contact with XXXX. 

On XX/XX/2018, I notified XXXX that I had not applied for a card and they closed the account and sent me fraud protection materials. 

On XX/XX/2018, I attempted to contact Experian to dispute the inquiry on my report. Experian 's website informed me that I could not submit the dispute online and directed me to call XXXX to submit the dispute by phone. That number reached an automated service that did not provide an option to submit a dispute. Every other number that I could find to contact Experian routed me to the same automated service.

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 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/2017 I found out this company had a lien against my name, I attempted to contact the company and the company went out of business. I had no way of getting intouch with them to verify this debt. Today XX/XX/2018 my old employer received certified mail with a threat to put a Judgement on this business. This is NOT my debt and I demand for them to proof this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from BMW Financial Services was reported as a new collection. 

The derogatory information shows as coming from XXXX XXXX XXXX as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from BMW Financial Services Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/2018, I called both BMW Financial and XXXX XXXX and each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is not allowing me to place a credit freeze easily online. They want me to go through the trouble of mailing all sorts of confidential information via mail. Probably a tactic to get people to upgrade to their $ $ service. Here is the message I get when I try to freeze my credit file. 

RESPONSE FROM EXPERIAN : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX 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 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
The alleged debts Portfolio Recovery Services claim are owed are over XXXX years old and beyond the statute of limitations provided under the Fair Credit Reporting Act. The company fraudulently misrepresents alleged debts are legally owed and must be paid in order to try and coerce a promise of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have reached out to the Mr. Cooper on several occasions to see if we could come to resolution on the matter of missed payments. I did not hear back and now I received a letter regarding an auction. 

I would like 60 days stay to explore other options at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 I signed a contract to sell my home at {$120000.00}. The settlement date was XX/XX/2018. TWO DAYS prior to settlement, Wells-Fargo, the buyer 's lender, shut down the loan due to paperwork missed and poorly recorded on their end. They claimed this was due to the date of the buyer 's second FHA mortgage being too soon to the sale date of my current home. Something that was either incorrectly recorded or something that should have been found long before XX/XX/2018. I was contingent on the sale and therefore could not purchase my new home later the day of settlement.

Since then, the home I was going to purchase was put back on the market and I had to put my home back on the market shortly before XXXX. This is the slowest time of the year for real-estate and I have received significantly lower offers on the home since this incident started. Offers I can't accept because of the purchase price of my new home.

Additionally, I had 1 business day to cancel all of the utility/service transfers as well as new accounts I set up for my new home. I had to intercept mail being sent to my new home, I had repairs I had paid for the buyers, and both of my cats got sick when being sheltered for more home showings. Not to mention all the stress and chaos I have had to endure over the past few weeks. I bought appliances for my new home that sit in a XXXX warehouse while my credit card gets hit for the purchase. I have had to add additional time to my storage needs and live out of boxes while I try to sell my home. I lost electricity for a day, which included my heat in the dead of winter, since it was such short notice and I was mis-routed to the wrong department the day prior.

My mental state is exhausted with the stress Wells Fargo put on me. Surely, the buyer 's family is suffering as well. I have worked numerous hours on reversing the outcome of Wells Fargo 's last minute decision and I am still feeling the affects of their clearly untrained or uncaring staff. My work-life has suffered and as a single owner and only occupant for this home, I am taking on all costs and time spent dealing with this issue alone. Soon I will lose the new home I was under contract to purchase as it has been too long for them to wait for me.

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