vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I purchased a spread in a magazine to help with " branding '' my new business. I paid {$3500.00} for several things that were combined in a " package deal ''. The article was dated to come out online and in the magazine at the beginning of XX/XX/2019. On XX/XX/2019, I tried to pull the article up online and had trouble finding it. It turned out that the magazine had used card stock to represent my company instead of the numerous photos I submitted. When I contacted the publisher that day, he was aware of the problem. He offered to fix it, but I expressed concern that I did not receive anything he advertised in the package except a place in the magazine. I requested a refund for the remainder of the package that I had not received, and the publisher ignored my request. I filed a dispute with the credit card company and included the package details, as well as what I did not receive and they ended up siding with the magazine. I sent in a rebuttal after the publisher sent in his response and the credit card company went with the publisher again ( almost like they had not read my response ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Summit Financial Corp.
State: FL

Complaint narrative:
Per XX/XX/XXXX Report, Summit Financial Corp has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XX/XX/XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/XXXX and XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I met Mr. XXXX XXXX to see about closongmu mom, Ms. XXXX XXXX IRA account, since my mom pass away on XX/XX/2019 of this year. The first email received on XX/XX/2019, that Mr. XXXX will be starting his vacation and hand his assignment to Mr. XXXX XXXX on XX/XX/2019. After receiving my last communication with Mr. XXXX, I have beenin communication with Mr. XXXX XXXX by phone and email. After meeting Mr. XXXX XXXX in person at the bank and filling out the necessary paper work. I was promised the check will be out in a week. The last email sent by Mr. XXXX stated that he will reach out with the IRA department on XX/XX/2019. So far, I have yet receive a reply or call back, anf when I tried the main number. I am always informed he is with a client or in a meeting. Can someone assist? The amount is about {$8000.00} my mom old IRA account that my my

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 2019-11-08 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: GA

Complaint narrative:
After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
I just received a Wage Garnishment from my employer for National Recoveries for my student loans. I have never heard of this company. I have not received any written notification from this company of how much my debt was, any repayment options, or any settlement agreements. I have received phone calls saying I was going to be served papers and over the phone, claiming they were " National Recoveries '' have stated they were going to sue me or arrest me on my job. This company never produced any documentation of my student loans. I want them investigated and I would like for them to stop harassing me and my employer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: WI

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I had several store credit cards, all administered by Comenity Bank ( XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, etc. ) On all of these cards for many years I opted into and paid fees for their " Credit Protector '' feature, a feature of which was in the event of involuntary unemployment my minimum payment would be forgiven, and if unemployment lasted longer than 2 months, the entire outstanding balance of the debt at the time of the claim would be forgiven. 

I became unemployed XX/XX/XXXX after being continuously employed for the previous 5 years ( and paying for the credit protector service that entire 5 years as well ), my accounts were all in good standing at the time I became unemployed, and I immediately filed claims for all of my Comenity Bank cards where the " Credit Protector '' service was paid for. I remained involuntarily unemployed for a period of 6 months. Well in excess of the 2 months required for complete debt forgiveness under their advertised program, and provided the requested documentation twice. Comenity bank did forgive payments for one or two payments ... but after that, they did not forgive the debt as promised, and my accounts went into collections. When they called to collect, I explained that I had submitted a claim, and that the debt was supposed to have been forgiven at that point, but their collection people simply insisted on me paying them money which I did not have ( as I was still unemployed ) Comenity bank has destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement.

I have previously provided the following documentation to Comenity Bank on two occassions, with no acknowledgement that they ever received them. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of  unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is when I became unemployed and filed my initial claim with Comenity Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 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: CA

Complaint narrative:
I have been an unfortunate victim of identity theft which has since been reported to both Experian as well as XXXX Card by means of a notarized affidavit which serves as a legal document to my identity theft as well as my police report. The initial request was granted, the fraudulent account was deleted but then 2 months later, wrongly re-added to my credit file. My most recent request dated XX/XX/19 asked that the fraudulent information on my credit report resulting from identity theft be blocked/suppressed within 4 business days pursuant to Section 605B of the FCRA.

Also, I have sent in numerous requests over the past year and a half to Experian as well as XXXX Card demanding that they show me Verifiable proof ( an original Consumer Contract with my signature on it ) which has yet to be provided and has been met with much resistance. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying you for reporting services could fax, mail or email in a fraudulent account. Under the FCRA, the unverified account must be removed since no one has provided me physical verified proof. 

According to the Fair Credit Reporting Act, Experian and XXXX Card have violated 2 clear and established laws and have shown gross negligence and complete disregard of my rights as a consumer. At this time, I demand that the account information reporting on my credit bureau under Account # : XXXX XXXX XXXX, be deleted effective immediately and permanently.

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 2019-11-08 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: MI

Complaint narrative:
Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number *XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2019-11-08 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: MI

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Early year 2019 to present I've been working disputing an item on my credit report that I have no knowledge of ever having. I have asked for specific documentation, validating my signature that I owe this debt to this collection agency. Each time on their response they have failed to provide supporting documentation to me as requested and illegal marks my credit report as verified information which has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: MI

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I live in the XXXX XXXX XXXX XXXX  area of the XXXX. In XX/XX/2017 we had two hurricanes. During both hurricanes the Governors of XXXX and XXXX   declared a state of emergency and all of us living on the XXXX/XXXX coast. were mandated to evacuate from the area for a period for 10 days each time. 

Evacuation was not a choice. Since I work for XXXX XXXX  and live in XXXX I had no choice but to evacuate. This is extremely costly. We were given live checks each time. 

I called Carrington mortgage company to explain we were evacuating and requested that they document my phone call. I also explained we were given live payroll checks. I am usually a direct deposit pay and pay my mortgage on line. I am NEVER late for my mortgage payments. But it took the checks 15 days to clear each time because of the state of emergency in our area. As soon as they cleared I paid the mortgage company. They still reported my late n my credit reports even though we were in a state of emergency at the time because of the hurricanes. 

Not only did they they not record that I contacted them, they would not take the late reports off of my credit reports stating that they " had no information from FEMA ''.  Given that I can do a XXXX search and find the governor 's of each state declaring our area a mandated evacuation area and a state of emergency I don't know what their problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
While I am at work the collection agency repeats calling me during working hours about a hospital bill. I have not yet received any notice from the hospital explaining the bill in question, so I can provide medical insurance information and have my insurance pay for the bill or whatever needs to be covered by the insurance company. They just outright put me through collections without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : 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 2019-11-08 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: FL

Complaint narrative:
I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CORELOGIC INC
State: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX 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 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My loan was sold to Mr. Cooper, formally NationStar Mortgage Company. On XX/XX/XXXX, I inquired about removing PMI on my account. After terrible customer service on XX/XX/XXXX we were told that our PMI would be cancelled. We noticed that we were continued to be charged for PMI after the time of the letter and on our recent Escrow analysis PMI was factored back into the payment of future escrow balance. When I called the company on XX/XX/XXXX they stated that the cancellation letter was made in error and we are still paying PMI and that it can not be cancelled with out completing a costly appraisal in order to verify the value of the home. We purchased our home in XX/XX/XXXX and have paid well over $ XXXX off of the original loan. It seems unreasonable that a company would send a written confirmation of cancellation however not reach back out to us with a retraction letter. As of XX/XX/XXXX the letter was still available for download from our account information but no further communication of such error is to be found on the website or notated in a visible fashion on our account. This company has been awful and unreasonable to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I found a collection account on my credit report from Waypoint Resor e Group for a small debt that was originally from XXXX and paid previously. 

I did not receive written notice of the debt, no phone calls and was not aware of the debt until checking my cre cfc it report before applying for a Carl loan I contacted the company who claimed they have sent several letters and and called many times. There have been no letters, phone calls. Voice mails, nothing except a collection account on my credit report. 

I paid the minimal amount. XXXX and was told that they wouldnt remove it from credit report and could take weeks to even update. 

Upon doing a XXXX search for this company, there are many online reviews of Waypoint Resources not complying with fair debt collection practices. The most common is consumers finding out about the collection account by checking their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation