vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
This vehicle was deemed a total loss due to an accident on XX/XX/19. I immediately initiated the total loss process with all parties ( Southeast Toyota Finance, the insurance company, the dealership and the gap carrier ).

I checked back on the online platform for Southeast Toyota frequently to see if funds had been received. I was expecting a cancelled aftermarket product, the insurance settlement and the gap payment. However, the payment due date did not change. I was still expected to make my monthly payments but the aftermarket product cancellation and ultimately the insurance settlement were posted as payments. This is very misleading. I assumed they were " holding '' the funds on the account until all funds were received and could be applied back to the accident date. After I discovered the account was paid off I asked if the funds were posted back to the accident date and had my request denied twice from the lienholder to do so. They have refused to apply my total loss proceeds to principle mostly with the accident date as the date posted. However, the gap was filed from the accident date and the product was cancelled with the accident date. How can they remain on the account for the date those funds were received and it be fair practice? Also, why can those funds only be applied as payments but I am still required to make a monthly payment? Lastly, as it is my loan, don't I have the power to request how those funds are posted within reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one account numbers XXXX & XXXX both accounts charged off, NEVER sold to collection agencies if company took profit/loss -- A profit and loss write off on credit bureau report is really just a fancy way of saying that the credit card company decided that a given debt wasn't worth collecting and took a write-off for it. 
since they never sent to collections, I need to see the profit/loss on their tax lines for these two accounts. if they can not show tax reports as a loss, they MUST remove from all credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2019, two fake checks of XXXX dollars and XXXX dollars were deposited into my account through a mobile app. After these two checks were deposited, two XXXX transactions of XXXX dollars and XXXX dollars were sent through the mobile app as well, about 5 minutes after the checks were deposited. 

When I called USAA bank, they told me the checks were found fraudulent, but I would be held responsible for the XXXX dollars sent through XXXX from the app. They told me the only thing I could do is submit a police report, upload it through the mobile site, and they would investigate. 

Less than 24 hours after uploading the police report I submitted onto the website, I receive a document stating my claim was denied and I will still be held responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: MD

Complaint narrative:
Transunioncustomerservicedepartmentandfrauddepartmentrefusetoremoveunknowninquiriesfrommycreditreport.Theinquiriesthatneedtoberemovedare:XXXXXXXX.XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXXXXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After viewing my credit report for the first time in years I saw that transunion has billing me {$19.00} a month for their service. I would never sign up for this. I tried handling this online but I needed a username and a password, which I dont have. When I called I was asked for email for security and I didnt know the " right one '' so I couldn't cancel subscription let alone receive a refund. They wouldn't even give me my username and password! After several more calls finally a man told me he could cancel. Just recieved bill and, of course, still charging me {$19.00} a month! What do I do?!

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Time Investment Company, Inc.
State: MI

Complaint narrative:
I have a joint loan for cookware with my now ex-husband and the company TIC or Time Investment Company who funded the loan calls me multiple times a day all hours especially right before XXXX. I have already informed them I was going through a divorce and the divorce decree states that he is responsible for half and they insist that I must make a payment and when I say I don't have the money as I have not received XXXX XXXX and have had to take on all of the household expenses and all they say is well shy can't you make the payment today when I already told them that I do not have the money right now but I will take care of it. I have also asked them to stop calling and they refuse and tell me that the calls will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Two months after my home loan closed, my mortgage was " bought '' by another company and I was instructed to make payments to them. Two problems arose. First, I scheduled my next payment on this company 's website. They never processed it and, in fact, reversed it and then charged me a {$25.00} " bad check reversal. '' After waiting for 30 minutes, as they skimp on customer service, there was no explanation for this. I was sent no e-mail about this and only found out about it when I went to pay my next payment. The other problem is none of my other payments on my mortgage have transferred over. Twice I have called about this ( each time waiting 30 minutes ) and it is still not rectified. If someone is going to take over your loan, isn't it important that they get your payment history correct? Both times I was told by " customer service '' to wait several weeks and it will correct itself. Nothing has happened. All I want to do is pay my mortgage and not be bothered. Now I have to spend hours dealing with this because this company can not even manage your payments properly.

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 2019-07-18 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2019-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$4300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount midland funding removed themselves from XXXX but NOT XXXX need explanation why they removed from one but not all others? the orginal credit was XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I my account was scammed and a check was put into my account. Through mobile app which my mother and I did not activate on her phone. Next thing we know the {$200.00} deposit - a check was in the account and out using my debit card which was in my purse along with a purchase at XXXX. This came days after the news released a photo of 2 people that were going around using checks and debit cards around the area. I called the bank and let them know what was going on. They said it would be a fraud investigation and it would take 3 days. I let them know I was out of the country as well. My mom and I changed all our login information. a few days later the check came back I called to find out what was the outcome of the investigation. I was told that it was never put in and as of XX/XX/XXXX it would have to be done again. We were still in XXXX. So I called back Wednesday morning only to be told that it would be expedited. The supervisor also spoke about the fact that we were not offered another debit card. He then sent for another debit card and told me the claim would be expedited. Around midnight today I got an email about the investigation saying it was our fault. and we are responsible. I also received the documentation today XX/XX/18 regarding the mobile deposit. The deposit was a check in my mother 's name yet the signature did not match especially based on any deposits or documents previously signed by mother. I will be contacting the police again because I can now file a formal complaint because I have all the info the police and investigators need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a zero-interest loan due to the federal shutdown in XXXX of 2019. To get this loan, I had to switch my Banks, transfer all my automated withdrawals, etc. Some few kept slipping through the cracks, reopening my account and the bank charging interest on credit they forwarded to my account. This has happened every month since XXXX, and every month I have called BBVA to fix this and every month I have been assured my account is closed and nothing can reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Stopped receiving my monthly statements 4 months ago. Contacted AMX 12 times during that period complaining and was told my account was being placed on hold and no payment was required until they could resolve this issue. Account was then closed and reported as late and closed to the bureaus. Disputed this status and was told there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
Municipal Collection Services Inc. is trying to collect for a debt that is paid. They claim i owe for these 2 tickets for XXXX each which total XXXX dollars. 25 percent of my salary was garnished for 3 pay period that paid the debt. I sent these people proof and they still are trying to illegal collect this debt. 
this is down right fraud

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 2019-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
ccount Name KOHLS/CAPONE Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$900.00} Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX kohls, charged off never sold to third party. if KOHLS did a profit/loss I need to see tax report! if unable to show proff of tax write off, they must remove from all three credit reports asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
The accounts needs to be remove immediately from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
The accounts needs to be remove immediately from my credit report

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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
We have received 5 calls a day from a collection agency Midwest Recovery System,  that are all robocalls asking for us to call. 

They have been spooking their phone numbers, and just yesterday, I got calls from XXXX, XXXX, XXXX, XXXX and one other that I deleted that was from area codes XXXX. Three left messages, as I was not near my phone, and it went to voicemail. They left different return calls XXXX and XXXX. 

They are using multiple numbers, and this is for a debt that we have told the original physician 's office that we want detail, and they told us directly that they would not provide details of the charges. 

I have asked Midwest Recovery Systems to stop calling, and that they can only send regular mail, if they can provide a itemized detail for the charges, otherwise, they can stop all contact. XXXX XXXX then started to threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I deposited XXXX XXXX XXXX check at Chase XXXX on XX/XX/2018 for an amount XXXX XXXX from my own XXXX account to my own Chase account. 

Check got cleared at XXXX and my money was withdrawn, I have a copy of the check and XXXX   transaction from their website that proves it. 

On XX/XX/18 I received mail from Chase that stated that they received a deposit to my name but the account is no longer active and I need to work with them to figure out what to do with money. 

I went to the bank branch and gave them an address to send a check, My account apparently was automatically closed due to inactivity. 

I never received a check from them and went to brach again : now they claiming that money was returned to XXXX. But XXXX has no information nor Chase provide anything that might help XXXX to locate the money. 

Basically, I am stuck between two banks. both pointing to each other. 

I can povide details such as name, account namber upon request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SRA Associates, Inc.
State: CA

Complaint narrative:
On XXXX @ XXXXXXXX XXXX PST, XXXX XXXX called my cell phone asking for a XXXX XXXX  aka XXXX XXXX. I told them in no uncertain terms that it is a wrong number, I know of no XXXX, I do not know what XXXX XXXX is, and to take my number off of their database. The representative assured me they did. 

However, on XX/XX/19 @ XXXX XXXX PST, XXXX XXXX called me yet again. Obviously the previous representative did not take me off their database and they continued to harass me, knowing the number is wrong. 

Lastly, is there any way to get my number off of the debt collection rolls for XXXX XXXX? I made a report back in XXXX regarding XXXX XXXX XXXX calling me for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE '' XXXX, REPORTING ON : 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