vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
For the past week ( XXXX ) I kept getting daily repeated calls from a number that came up on my phone as " Scam Likely '' ( XXXX ). I listened to the voicemails that said in an automated voice " XXXX we have made several attempts to reach you via phone and at the address on the record we've been unsuccessful, due to no response the documents are deemed undeliverable one final attempt will be made at your place of employment ''. On XX/XX/XXXX I called and spoke to XXXX with XXXX XXXX XXXX XXXX at ext XXXX. She stated that this was a debt that I had with Old Navy and it wasn't filed on my chapter XXXX bankruptcy in XX/XX/XXXX. I informed her that I did my bankruptcy myself and I know for a fact that Old Navy was on there. She over-talked me the entire time and wouldn't let me explain that I know Old Navy was on my bankruptcy. She then informed me that the company GE Capital is what should actually be on my bankruptcy and I informed her that it was. She continued to tell me it wasn't and that they would be filing legal action against me and disconnected the call without the proper goodbye. I called back right after that call on XX/XX/XXXX and spoke with a different XXXX and she said and did the same thing. I then called back and spoke with a XXXX/XXXX and he was EXTREMELY rude and told me that they filed legal action against me and whatever paperwork I had would need to be taken to the court whenever the court date would be. I asked him for an email address or address to send my proof in and he wouldn't give it to me. I tried to call back 3 more times with no answer or voicemail. I can not find XXXX XXXX XXXX XXXX   online as a debt collector and that makes me think this is not a real company. I XXXX  GE Capital and they are no longer handling these accounts ; it is now Synchrony financial. My Old Navy account was from before XX/XX/XXXX and it was also filed on my chapter XXXX bankruptcy.

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 2019-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After several weeks of money being in my checking and savings account with Navy Federal, there was a random adjustment on my account which left me with a balance of {$0.00}. When calling to clarify why this occurred I was told that it was due to a charged off student loan. When I asked about more information on this student loan I had no record of on my Navy Federal account page or credit report, the representative said the only way they've tried to contact myself and my cosigners is through phone. Neither my cosigners or myself have received any  phone calls about this particular loan, given I am still in college, so there was confusion why I needed to start paying back the loan while I was still in school anyways. The representative hung up in my face when she couldn't provide the proper answers to my questions about this loan I have no record of. I asked for a reported fraud and investigation in a later phone call back. On XX/XX/XXXX I received my paycheck but noticed that when checking my account, it was adjusted again and my entire paycheck was gone. I called Navy Federal that morning informing them that the money adjusted was for my rent and car note and needed to be reversed because I did not authorize anyone to deduct from my Navy Federal account. I was transferred to the private loan company in which they informed me that 1 ) They would not reverse the transaction 2 ) They acknowledged that they had notes that I wanted an investigation for fraud, yet did not follow through and 3 ) They would continue to pull all funds deposited into my Navy Federal account although authorized to stop. Through all phone calls I have yet to be updated about this private student loan, they have yet to give me a remaining balance or loan number, and they refuse to help me understand why representatives cant give me any information about the loan other than its charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am repeatedly receiving robo calls from Transworld Systems Inc. telling me to call them concerning some debt they are attempting to collect. 

I am not indebted to any one or any company. I have never received any written notification from Transworld Systems, or  any other person or company, concerning any debt I owe. 

I refuse to give these idiots the satisfaction of calling them about a non-existent debt! They obviously have the wrong telephone number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX  IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE XXXX  XXXX ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, EXPERIAN, XXXX & XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.

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 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/XXXX. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

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 2019-11-13 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

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 2019-11-13 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: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Dear representative, I am in the middle of closing a purchasing a home. I paid off all of my credit cards, & personal loans to be able to qualify for the mortgage. I called, got the p/o & paid Mariner Finance in full over the phone on XX/XX/XXXX. On, XX/XX/XXXX the payment cleared my account. At the time of making the payment, I asked the representative how long it would take to get proof from their company, that I paid the loan off. They said 7 days. I called on XX/XX/XXXX and said I need the promised proof of payment. They said their policy is 15 days, but maybe if I could send over my bank statement & prove that it cleared my account I could get the proof from them. I sent the proof on the XXXX ( same day XXXX but never heard back. I called on XX/XX/XXXX & they said they still have to wait 15 days. I called today & now I am told that the proof of payment which is eligible to be sent out on the XXXX can only be mailed. Why is it that every other company has been able to accommodate me withing 3-5 days & this company will only mail proof after 2 weeks. I will lose my rate lock as interest rates have increased & won't close my loan on time. I am very upset since I work in the finance industry & know this is illegal. Please advise.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
First and foremost, I made a payment to XXXX XXXX on XX/XX/2019. The applied all of this payment to EXTRA PRINICIPAL. They did not divide the amounts into principal/interest and escrow. I have called them NUMEROUS times to advise them of this error. 
This payment was to be applied as a regular payment towards XXXX. It is now XX/XX/2019 and I still have not had this corrected, even though I have reached out many times. 

Second of all, I still feel that the escrow calculation the bank is using is incorrect. My real estate taxes and homeowners insurance total XXXX per a year. If you divide this by 12, the monthly amount should be XXXX. I currently have XXXX in my escrow account. So even if a cushion is required, I have enough. I want an escrow analysis to be rerun and my payment They are charging me XXXX return check fee, which is incorrect. 

I sent a money order to them, I should have no fees. A money order can not bounce and there was no stop payment. 

Please have my payment reapplied and remove my fee. I am not sure what this lender is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I recieved written communications from a lawyers office which proves nothing as to ascertain proof that this account is 100 % accurate and is owed. I only have a copy of statements but where I'd my hippa form, my signature, my social and/or copy of identification? You are saying I owe {$730.00} but have proved nothing. I still don't have a copy of your license to collect in NJ, a signature, a copy of a signed hippa form or my social. Games need to stop being played and either provide all the information I asked for that you must furnish or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX  XXXX & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all  information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX XXXX  XXXX  response is that Rubin & Rothman LLC obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

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 2019-11-13 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: ID

Complaint narrative:
My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
synergetic communication, inc has a account thats not mine/inaccurat that i do not owe..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one Bank USA & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX capital one response is that XXXX XXXX XXXX XXXX obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2019, I attempted to purchase a home. My mortgage lender could not access my Equifax credit report. We later found out that Equifax has two different birthdays for me. In order to correct the problem, I had to submit documentation to prove my identity ( XX/XX/2019 ). The account at Equifax was updated, around XX/XX/2019. Immediately, I received a message from my credit monitoring agency, " Equifax has 5 new inquiries on your account resulting in your score dropping 38 points ''.

This issue took my score out of the range to purchase the home. The problem is not my fault and I want my score restored.

I have called Equifax at least seven times. Six times we were " disconnected '' and they never attempted to call me back. They refused to work any further with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed an item on my credit report repeatedly that is on their wrong and the website has you complete a form which I have done repeatedly. They won't give you an update. They won't communicate back. They won't confirm your submission. Their site has a front page which shows all current and past investigations which is always blank. Its like talking into a black hole.

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 2019-11-13 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: TX

Complaint narrative:
Experian Credit Report Number : XXXX Name of Court and Address is incorrect, it is currently listed as US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Proper address is : United States Bankruptcy Court XXXX District of Georgia XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Sent original dispute requesting they DELETE this inaccuracy however they came back as 100 % accurate and verified, the documentation I will provide shows that not true.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am being forced to fabricate information on my mortgage application that absolutely does not exist and cant be found anywhere and the only way to get this information would be for me to make it up and i told them i would not move forward if that is the case. Now a month later we have to revisit this very issue again of me fabricating information that doesn't exist shows up again with my loan originator demanding that in order to move foward this information has to be provided or cancel. The loan originator from US bank who is forcing me to lie on my application is XXXX XXXX XXXX. 

Myself- I am retired from the Federal government, I am also service connected at 100 percent and those incomes have been paying the first mortgage which is the VA loan now through US Bank with no imperfections or missed payments ever in my credit history that at the time of my mortgage application the credit score is XXXX and all i wanted to do was refinance and pull some money out for home improvements and filled out the application online thinking it would go to my local branch but ended up in California and Kentucky and not one person i worked with ever showed any sense of professionalism so i was apprehensive from the start but did continue with the application and will only continue to do so with the information that is real and tangible!

I told them on two different occasions i would not do business like this and they still forced me to continue. I have the documents and the e-mail chain to prove everything. my next stop is HUD then DOJ!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I'm tired of calling GM Financial because all they do say is that everything looks good on their end but they refuse to understand my request. I am in the process of buying a new home and GM financial continue to report a payment due for my lease end on my credit report. I've spoken to them multiple times and they advised me that its paid off on their end. I continue to request for them to remove this from my credit report because it is affecting my ability to get approved for a loan. I returned my lease in XXXX. Its been 5 months I been trying to get this fixed! 

My credit report is showing due {$840.00}, the exact amount for the lease end fee. However, I leased a new XXXX before returning my old one which waived all termination fees and excessive wear and tear. I spoke to 5 agents at GM Financial and even received a letter stating that my account is paid in full. If I lose my chance to purchase my home because of a simple issue like this, I will take further legal action.

Company response to consumer: Closed with non-monetary relief