vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: NJ

Complaint narrative:
I RECEIVED A NOTICE FROM MY CREDIT MONITORING COMPANY THAT THIS ALLEGED DEBT WAS REPORTED TO XXXX CREDIT BUREAU. THIS COMPANY NEVER SENT ME A NOTICE AND NEVER GAVE ME A CHANCE TO DISPUTE THE ALLEGED DEBT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX contacted via phone on XX/XX/2019 saying they were trying to collect a debt for Synchrony Bank ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. XXXX never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called XXXX on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 ( to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from Synchrony Bank. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.

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 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services Administration will not provide me a financial hardship assistance as my Dad passed away recently and need funeral expenses as he didn't have life insurance. 

I respectfully request Prestige to provide me a deferment and extension and Prestige Rep.Mr.XXXX XXXX stated that company can not extend my XXXX XXXX payments until XXXX XXXX. 
So l can make a total payment of {$840.00} on XXXX. 
Prestige stated by email that a 30 days late payment will be reported to XXXX, XXXX and XXXX credit report agencies to damage my credit as they have done already I am respectfully a requesting and not demanding I have filed many Federal government complaints against Prestige Financial Services. 
I will ask President Trump and Congress to support me on Prestige issues. 
I am respectfully XXXX XXXX, Retired and a US XXXX XXXX Military Veteran. 
Prestige makes billions of dollars and they can not support our Military Veterans and all Citizens in the Community on family death emergencies? 
As far extending payments. 
Now, Prestige will destroy my credit by reporting 30 days late to credit bureaus. 
Urgent matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX several mortgage companies ... mine started with XXXX XXXX and was sold within 30 days to Bayview which in turn sold it within 30 days to XXXX XXXX XXXX  ... I made 2 payments 1 ) for {$1500.00} to XXXX on XX/XX/2019 and 2 ) for {$1300.00} on XX/XX/2019. On XX/XX/2019 they sold the acct to Baview with a suspended transfer amount of ( {$1300.00} ) and transferred amount of {$150000.00} bayview says it transferred at origination amount of {$150000.00} then they applied the suspended amount of {$1300.00} which brings the amount to {$150000.00} ... .I noticed the double payment within 7 days and started to get it resolved with both XXXX and Bayview ... it has now been approx 8 weeks, 10 calls, numerous explanations given, some helpful most not and still not resolved ... they made me get the paymentment history ... which XXXX XXXX services both company 's ... then said they could request it ... emailed all proofs on XX/XX/2019 called XX/XX/2019 ... and still not resolved ... I have a letter dated XX/XX/2019 they have sold the mortgage to XXXX XXXX XXXX ... interesting on date of letter and when proofs were sent to them ... in the meantime they are saying to make payments as usual though they will have no penalties for the next 30-60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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:
I've had an ongoing problem with getting Equifax not actually completing disputes. This previously happened with a dispute I submitted for inaccurate reporting for XXXX. They said they completed the dispute on XX/XX/2019 ; still showing my account was late ( Account History with Status Codes ) However after speaking with the loan officer they informed me, they hadn't received a dispute in over a year. How is this possible? I had to reach back out to Equifax, initiate another dispute, with the email correspondence from my loan officer. At that time a real investigation was completed, and the inaccurate  information was updated. 

They're doing the same thing again. I initiated a dispute with Equifax because some how, Equifax and XXXX are reporting two different date of last activity on a XXXX account. They're 5 months apart. In addition to my concern for the attempt to re-age this account, the credit reporting agencies have a duty to ensure the information they're reporting is accurate and complete. The XXXX AND the Equifax dispute came back VERIFIED. Please see CFPB complaint XXXX for XXXX complaint in regards to this matter. In order to better understand this matter, I asked Equifax to provide me with the description in which the investigation was conducted. They have not. Instead they opened another dispute and verified it. 

XXXX now supposedly owns the debt for XXXX, I submitted for verification and validation, and instead they closed the account. CFPB complaint ID XXXX. 

I asked Equifax for the meas by which their investigation was completed for 4 accounts : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX In response to my request for a description of the investigation they replied with the account be verified and belonging to me ; this is not what I requested. 

It's not fair or legal under the FCRA for these consumer credit reporting agencies to simply put in a 3 digit code in e-oscar, compare a name, an address, or a social and then say the information is accurate. 

When a consumer says the information is inaccurate, an actual investigation to these complaints needs to take place. If an investigation can not be reasonably completed or the information can not be verified, this information is not allowed on the consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX PL, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX D XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CO # XXXX WISCONSIN XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received an offer for 0 % APR on a convenience check from USAA that I was going to use but wording in the offer appeared to be in direct violation of CFR 12 part 1026 so I called USAA to clarify. 

The following is the concerning statement : " If you transfer a balance or write a convenience check with this offer, all purchases will be charged interest until you pay the entire balance in full, including any transferred/convenience check balances. '' The regulation is very clear that anything over the minimum payment must be applied to the highest interest APR, however, three different USAA representatives told me that is not the case. 

I gave the following example : I write a convenience check for {$1000.00} subject to 0 % APR I charge {$100.00} subject to 10 % APR My minimum payment is {$10.00} I am charged {$1.00} interest on this billing cycle I stated that if I paid {$200.00} then {$10.00} can be allocated to whichever balance they choose and that {$190.00} must be applied to the {$100.00} dollar charge and {$1.00} interest first and the rest would go to the 0 % APR balance. If I made no further charges then my next bill should have no purchase or fee balance and I should only be left with the 0 % APR balance if they are following the law. 

All three USAA representatives said this is not the case and that even if I paid {$500.00} that a portion would go to the higher APR balance and fees and that some would go to the 0 % APR balance but that my {$500.00} payment would not pay the purchase balance in full and that my next bill would still have a purchase balance remaining and that I would still be charged interest on that balance. 

This is a clear violation of the wording and the intent of 12 CFR 1026.53. I kept asking to speak to different people because I thought there was no way that USAA was so blatantly violating the law but after getting the same response from two normal customer service reps and a rep that specializes in USAA billing policies, it is apparent that they are. 

I am filing this complaint so that you can investigate their credit card payment allocation practices to determine if USAA is in compliance with regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank has called me at obscene hours throughout the day, and up to 9 times a day. I answered once and told them to stop calling me. They have now called my dad, not once, but twice, and given him details about my debt ( what it is for, what company, the debt I owe ). They are calling to collect a debt regarding a Victorias Secret credit card I have through them. After they called my dad this morning, I called them and told them to stop contacting me and my family ( again ). This is  getting to the point of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
debt was XXXX county since XX/XX/XXXX and XX/XX/XXXX Judgment were filed in XX/XX/XXXX and XX/XX/XXXX and never renewed In AZ judgments need to be renewed in 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
I recently refinanced my mortgage with XXXX who paid off my Sierra Pacific Mortgage on XX/XX/2019. Unfortunately, I did not remove my ACH so my usual mortgage payment of {$1600.00} was also withdrawn. On XX/XX/2019 I called Sierra Pacific Mortgage at XXXX XXXX. and spoke to XXXX and requested that they reverse the ACH. She told me that they would try to do that, but if anything I would receive a refund within 5-10 business daysbut that it would be closer to 3 days, since it is just a refund/overpayment. I also emailed XXXX to reverse the ACH also and per Sierra Pacifics request, I emailed the proof that the payment was withdrawn from my account. I never received my refund but I did receive a letter dated XX/XX/2019, that my refund would be made within ten business days. I just called today, XX/XX/2019 and I asked to find out when my refund was made and I was told by XXXX that the refund has not been made yet. This is MY money for an overpaymentthere is no reason why I do not already have these funds. They know that my account was paid in full and they put those funds in unapplied funds. This is terrible, I will never do business with Sierra Pacific again and they need to overnight MY money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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:
I disputed a vendor charge with my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. The issue was resolved quickly before the next billing cycle, however XXXX erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from Equifax via the annual credit report process. The remark is still on my credit report, I called XXXX they said it shouldn't be and suggest I file a compliant with Equifax to get it investigated. Equifax did not make the changes, because they did not receive documentation from XXXX regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both Equifax and XXXX on XXXX over this issue. I also obtained the email address of XXXX 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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 file ( mail ) a dispute with Transunion & XXXX pretending to XXXX XXXX XXXX on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''

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 2019-10-17 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
I called Ability Recovery Services , LLC to notify them that I had a police report for financial identity fraud. and the debt collector hung up in my ear after calling 3 times. I have reported this to the floor supervisor and will be filling it with the AAG.

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 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I have a collection account of {$700.00} from the collection agency listed as Southwest Credit Systems. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name 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