vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : XXXX XXXX XXXX {$1600.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$1600.00} not mine

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 2019-12-16 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: AZ

Complaint narrative:
On XX/XX/XXXX I got an alert of someone trying to get credit services with XXXX XXXX XXXX. 
I called them, talked to a supervisor, they determined that was fraudulent, assured me that they will remove the enquiry from Experian, I had another incident a few months back, so I had a lock on my credit agencies, they couldn't get any credit without me unlocking it, but the inquiry went through, I learned I had to put a freezer on my credit agencies which I have done since then. 
XXXX sent me a letter stating that they will send a letter of deletion to Experian, Enquiry still on my report I called back XXXX, they told me they sent a letter out the same day they sent mine, and its up to Experian to remove the inquiry, Experian tells me they haven't gotten anything from XXXX and they redirect me back to them. 
Its an endless loop.

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 2019-12-16 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Someone at AMEX closed the case ( Ref. No. XXXX ) and lied that I said to approve the closure of the case. I never agreed to close the case! I still have not gotten the item from the seller! Yet AMEX closed the case in favor of the seller! The seller has effectively stolen {$91.00} from me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have been a USAA member since XX/XX/XXXX. I have a checking account with them and I had an issue last week that I would like to share with you. 

My mother made a cashout ( funds transfer ) from her side gig account ( XXXX  ) to her USAA account to help me pay a couple of bills that were due last week. Once she received the funds, she wrote me a check in the amount of {$20.00}, which it was deposited and funds were immediately available since the other account ( my mother 's ) had the funds available to be cleared. Date of the event XX/XX/XXXX of this year. 

On XX/XX/XXXX, they charged me {$25.00} due to NSF. Which I questioned on XX/XX/XXXX, and they insisted the other account ( my mother 's ) had no funds to clear that check. They alleged they pay all the debit charges before proceeding to clear checks. They insist the account had no funds, but I suspect they were doing something else. Sometimes the account shows a different balance in the app, other time it shows another balance, which brings confusion. 

I disputed the charge and only {$5.00} were refunded as a courtesy. I am no liable of USAA 's mistakes and the way they manage or post debits and credits is highly questionable. 

While I was charged {$25.00} for NSF my mom 's account was charged {$29.00}. We can not trust on a bank whose financial practices are questionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : PUBLIC FILINGS XXXX RECORDER OF DEEDS {$3800.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have no online access to this account. I do not have the XXXX credit card, therefore, I can not set up an online account without the account number. I requested a new card two months ago and never received one. This past month I had XXXX when the bill was due and without online access, I could not pay the bill meanwhile XXXX charged me a {$40.00} late fee that they refuse to waive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I Bought a car 33 days ago from a dealership in Virginia called XXXX XXXX in XXXX XXXX. till today they did not finish my car auto loan process my car registration is expired i called them over 20 times they keep lying. every one is saying something different 2 weeks ago they said the contract has been sent to Toyota financial services i called Toyota they said they have not approved or received any contract under my name. i have an emergency back home and i need to travel i been postponing my travel for the past 3 weeks because of this. they did not pay off my car yet my previous bank is charging me late fees and interest they soon will put a late payment on my credit report. 
i called the general manager today at the dealer ship and i told him i when you will pay my car off he said we don't know i said my car registration is expired he said come pick a new one i was like this is to much and want my car back he said no. 
so they are not paying my car and they are not taking my car back. 
i do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. XXXX XXXX needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX  and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. 

They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. XXXX XXXX has ignored all police reports and ID FTC reports and continued to break the law anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I disputed the account with the original creditor as Identitiy Theft. The account was either blocked or removed from my file. XXXX sent a fraud packet out in which I completed. Now, without any notice Deville Assestt Managment has placed an account of my credit report trying to account {$9200.00} plus dollars. This debt or account was a results of ID theft. & should have never made it to my credit file. 

This account needs to be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I signed for a " Chase Offer '' that stated I would receive " 10 % back on your XXXX XXXX purchase with a {$21.00} back maximum! '' After seeing this offer, I made a online purchase of {$210.00} for three pairs of shoes from XXXX assuming I would receive {$21.00} back, as per the offer I accepted. A pending charge of {$210.00} appeared on my account on XX/XX/19. On XX/XX/19 a pending credit appeared and on XX/XX/19 and XX/XX/19 three individual charges from XXXX totaling {$210.00} were posted to my account. 

XXXX a single credit of {$8.00} was posted to my account. This was 10 % of one of the three individual charges. On XX/XX/19 I sent a secure message to Chase with images of ( 1 ) the offer ( 2 ) the single order I placed with XXXX XXXX, ( 3 ) my account activity showing the original charge and credit. I requested the remainder of the offer to be credited to my account. On XX/XX/19 I received a reply from Chase stating " I reviewed your account and the information sent. I understand that you purchase the item together totaling the {$210.00} but it look like the merchant was not able to send all the item at one time. The offer is valid one time offer and applies to the first purchase posted. '' I followed this up with a telephone call but the agent indicated he couldnt help me and nor could XXXX XXXX as they wouldnt be aware of this offer. If XXXX XXXX had not split the charge I would have received the full 10 % back ( up to {$21.00} ). 

I am asking for your assistance in encouraging Chase to honor the offer they made and I accepted. It was not in my control how XXXX XXXX decided to ship and create this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the item below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 8 months and meanwhile fees and being deducted from this account each month for non activity. I was contacted by Wells Fargo following my recent complaint and told to send a letter which I did and those account is still not closed. Meanwhile every month account fees are being deducted.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion deleted my XXXX  XXXX XXXX # XXXX in XX/XX/XXXX. I contacted TransUnion by phone on XX/XX/XXXX, and they said XXXX XXXX XXXX was the problem. I contacted XXXX  XXXX XXXX by phone the same day ( XX/XX/XXXX ), and they sent a letter dated XX/XX/XXXX, stating the account is being reported to file. I submitted a certified letter to TransUnion dated XX/XX/XXXX, asking them to reinstate the XXXX  XXXX XXXX account to my credit report ( attached ) based on the XXXX XXXX XXXX investigation results. TransUnion responded by deleting XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX from my credit report ( resolution letter attached ). 

I am requesting assistance with reinstating the following accounts to my TransUnion credit report : 1 ). XXXX XXXX XXXX # XXXX ; 2 ). XXXX  XXXX XXXX # XXXX ; and 3 ). XXXX XXXX # XXXX. 

If you need any further information, please let me know. Thank you for your time and attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
To whom this may concern ; I am contacting you in regards to a dispute that is currently being reported inaccurately on my credit report ( XXXX and XXXX ) from collection agency Lockhart Morris & Montgomery.

Lockhart Morris & Montgomery is reporting a unpaid debt ; from XX/XX/2017 to this current date, totaling in the amount of {$5800.00}. 

On approximately XX/XX/2017 ; I received an email from a collection agency, XXXX XXXX XXXX XXXX, Account Supervisor : XXXX XXXX in regards to a settlement offer for {$1000.00}. 
Once paid, the debt would be considered settled in full. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 I received a email and receipt confirming the account is fully satisfied, from XXXX XXXX XXXX XXXX Account Supervisor : XXXX XXXX XXXX

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 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. Diversified Adjustment needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX  and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. 

They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. Diversified Adjustment has ignored all police reports and ID FTC reports and continued to break the law anyways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
PHH Mortgage has been demanding payment for my home. When requesting verification of this assignment of mortgage, fraudulent documents were submitted which did not match the note supplied from my original mortgage company and did not include our information leading me to believe they have falsified data. They are sending statements stating that the home will be submitted to a default/foreclosure department due to nonpayment but we have yet to receive the information. 
In addition, there have been 2 assignments recorded with our parish where our mortgage company supposedly assigned the property over to them TWICE. once in XXXX and again in XXXX When requesting a verification of mortgage in XX/XX/XXXX when serviced by Ocwen, a letter showing {$0.00} balance was submitted to us. Mers System also shows something totally different. 
We are asking that there be clarification and verification of this said mortgage along with these assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am currently on a repayment plan agreement with my mortgage company Loan Depot. I have been given misleading information by several customer service works within the last month. Basically lied too. On XX/XX/2019 I spoke with three different people and they all  told me different things. I spoke with a Mz. XXXX employee ID # XXXX, she was some what helpful. My issue is mainly with the rude woman I spoke with before Mz. XXXX. Mz. XXXX, she refused To give me me employee ID number. She my husband that if he did not make his payment by the XXXX that the payment would be cancel and Nolan void, when I spoke to Mz. XXXX She told me I had a 30 day grace period to make the payment and that it would not be Nolan void. Im very confuse how one agent was so definite that my payment arrangement would be broken and canceled and the other one wasnt, how one agent was helpful and the other one was not. Also I was told that I dont have the right to have my husband on a three-way call when speaking to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: DISCOVER BANK
State: NC

Complaint narrative:
Contacted Discover twice regarding a fraudulent transaction from a XXXX XXXX XXXX on my credit card. Was decided twice on both investigations that it was a valid charge. I am legally not liable for fraudulent transactions on my account. The supporting documentation the merchant submitted showed my account number was compromised as it was manually entered, myself or the card were not present. The invoice for the transaction show 's a XXXX XXXX, an individual I do not know or have heard of. I do not understand how Discover could not only hold me liable for this transaction but also allow the charge to be processed without the correct billing information on the account. My name or correct address are not on any of the documents in reference to the charge in dispute. This is clearly fraud and I wish to have this investigated at the Executive level, its unethical and illegal.

Company response to consumer: Closed with non-monetary relief