vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: MO

Complaint narrative:
I have submitted a dispute over a transaction back in XX/XX/2018 in regards to a transaction appearing as XXXX XXXX XXXX. This is an online merchant gaming website. There was several issues with the use of there website, I have supplied screenshots of the errors. I have also supplied sufficient documentation regarding the reason for dispute as well including a statement from me why this transaction should be disputed. I have also sent many messages to Capital One between me and the merchant. I have supplied Capital One with ALL needed docs to process this dispute request. I have never been able to resolve this issue with the merchant nor Capital One. I have also made a request to have this dispute re-opened by a manager and he stated he will do it. Well shortly after I received a call from Capital One stating they had to close the dispute. This was not handled right at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have filed several disputes with Experian regarding inaccurate information and one of the items is a XXXX account that only Experian is reporting still. I have sent proof that XXXX removed it multiple times yet EXPERIAN claims it is valid when they do respond or 2 of my disputes still have not been responded to and it has been well over 30 days for each of them. 
I called Experian today and the rep told me to file another complaint on here and attach the document again and they will remove it. I should not have to fight 5 years to get this erroneous item removed! 5 yrs it has been on my credit and I have had XXXX for 17 yrs! never have switched phone companies. 
You are affecting my financing and because of that and all the proof I have of my complaints & your responses my attorney said it is grounds for a law suit. 
The next correspondence will be from my attorney.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB contacted me about an alleged debt which is medical dated XX/XX/2019. I asked the company to validate the debt to which they sent an itemized statement dated XX/XX/2019. I responded to PMAB to ask first of all how did they get ANY of my information from XXXX XXXX? I never signed a HIPPA release form, so how did PMAB receive any information about me true or false how does this company know me? I have since asked PMAB to provide me with a contract with my signature that shows I have or had agreed to enter into a contract with a third party concerning my private health info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2019 I received a phone call from Navy Federal Credit Union in regards to a debt. Upon answering the phone, the individual on the line simply asked if I was the account owner and proceeded to disclose information related to the account. I was told the exact amount of money owed on said accounts, the nature of my past communications with the bank ( citing exact details about the phone call ), all without actually verifying my identity. Once I presented the question " Aren't you going to verify my identity? ", I was told that as long as they had my name there was no further verification necessary. 

They stated on multiple occasions that this is to be standard procedure and the supervisor I spoke with read off the Navy Federal Policy on out going calls. Had this been a phone call regarding something trivial, that would be one thing. But the representative on the line insisted that I was in the wrong and this procedure was acceptable. After getting off the phone I called NavyFederal to speak to a supervisor in a department outside of collections and the employees in those departments had a contrasting and profusely apologized for the incident. I don't know how this works, and even though it was me in fact answering the phone, that doesn't mean it won't impact somebody else in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law. 
Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 
Convergent Outsourcing did not stipulate whether or not you were the holder in due course. 
Convergent Outsourcing did not stipulate whether this loan was securitized as required by law.

Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy.

2. Convergent Outsourcing are a debt collector and not the original creditor.

3. Convergent Outsourcing not having full and complete records of the alleged account. 

Thank you

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 2019-08-14 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: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
XXXX  refuses to remove fraudulent items off my credit. I tried disputing items online it want allow me to do so or by phone

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 2019-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
THE COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I HAVE SENT A NUMBER OF DISPUTE ASKING THE COMPANY FOR PROOF SENDING IT CERTIFIED AND THE MAIL HAS BEEN RETURNED TO ME AND THEY HAVE FAIL TO RESPOND PROVING ME ANY PROOF THAT THE COLLECTION BELONG TO ME THIS COMPANY IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT WHICH HAS HURT MY ABILITY TO GET CREDIT FROM OTHER COMPANY ALSO PREVENTING ME TO OBTAIN A JOB KEEPING ME FROM PROVIDING FOR MYSELF PLEASE LOOK INTO THIS COMPANY THEY ARE REPORTING ACCOUNT AND THE CREDIT REPORTING AGENCY ARE ALLOWING THEM TO REPORT THE INFORMATION EVEN IF IT DOES NOT BELONG TO THE CONSUMER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My home mortgage loan was bought out by another company ( XXXX XXXX ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company XXXX XXXX took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XXXX of XXXX which has hurt my credit score. They have reported the same exact thing in XXXX of XXXX which is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XXXX of XXXX and the no payment of XX/XX/XXXX reported truthfully. It was not until this week that I finally cleared this up with the loan company XXXX XXXX. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken XXXX XXXX all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX  '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt. 

Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX. 

I immediately contacted CFPB for help to resolve the harassment from ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: MO

Complaint narrative:
I was part of the data beach with Equifax. I was never notified nor did they tell me this. They put a freeze on my account and are now telling me I have to pay to send in papers to get into info. I can not apply for XXXX until the freeze is lifted and they wont lift freeze until I pay XXXX to fax the papers. I did nothing wrong and they are acting like they are the victim. I have been on the phone since XXXX trying to rectify the situation to no avail. Why is the victim being made to pay for the mistake they made. I have been married for 3.5 years name is changed legally and they still have maiden name on account as well as have items on report from XXXX XXXX that has the wrong last name on it. I have not lived at address on their file for 5 years. They will not give me a copy of credit report until I the victim pay to send in info they are requesting but refuse to ask any security questions like XXXX  did to change my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank have been horrible with their electronic systems to upload documents for verification. I applied on XX/XX/2019 for accelerate savings account. Got an email to upload my and wifes drivers license. XX/XX/XXXX we upload docs via their docusign system and received a confirmation about the same at noon. Got another email and yet another email and so other 7 emails asking to upload same docs. Despite uploading the docs 3 times, they still don't have it. After 2 weeks, I get a letter dated XX/XX/XXXX with a account number on it but no debit card. I tried to reach them via chat, their agent mentioned Citi dispatched them a week ago. After 3 weeks, still no debit card. I called them and their agent mentioned they are waiting on my license copy. How did they issue an account number if that was the case? Their agent lied to us about the dispatched debit card as well then. Now, after 3 weeks of hassle, we stil dont have debit card and all I want is to close the account and Citi tell me in writing how did they use my info and how will they delete it since I am no longer going to your customer.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Company have three times I paid on time my bill and they state the information that was entered was incorrect days later. The company had refused to provide proof to show that the information incorrect. Have charged me fee told me multiple times that they have removed them now they are harassing me at work even though I had always paid my bill on time. The company push to have you set up automatic payment and it seem to be the only way to prevent this from happening. The company would pull the money three to five days before the due date which had caused problems.

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 2019-08-14 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/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 2019-08-14 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXXAlso Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXXXXXX  dated XX/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 non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian provides you with a pin number that does not work they claim that they can't verify your identity I have spent 4 hours on the phone calliing different numbers no option to unfreeze my account no representative ever comes on the phone, only way is true the mail, they make it impossible to be convenient. But what a coincidence that they have a service that locks and unlocks your credit for a fee what a scam.

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 2019-08-14 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: CA

Complaint narrative:
Equifax has placed my account with their Consumer Affairs Dept. which have declined me the ability to view their credit file on me in real-time via any and all credit monitoring service, including their own website.This has proven detrimental to my ability to damper or eliminate any fraudulent use or activity with my credit file.I am only able to view a copy of my file with them when I'm able to phone the Consumer Affairs Dept directly and this usually requires being directed to several depts. going thru a redundant amount of security questions again and again which averages 20mins or more each call. Once I can speak to someone they are very restricted to what they can tell me and always say that I will have to wait until they mail me out a copy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
2 years ago I scheduled an appointment with a famous tattoo artist. I was XXXX and wanted to get a memorial portrait for my father. The artists name is XXXX XXXX. I made 2 separate deposits in XXXX each of {$250.00} (  a total of XXXX ). over the course of time I have been rescheduled by him about 3 times, each appointment being months apart. Originally I was supposed to get the tattoo in XXXX. I have now been rescheduled for XX/XX/XXXX. It is ridiculous that it has been so long and I still have not received the services. I have tried to cancel however they claim to not refund any deposits. I have never actually even spoken to a person this is all via text. I tried reaching out to his social media and received no response. I am not sure if I was scammed but regardless I did not receive services when I was supposed to and to wait 2 years for a tattoo is ridiculous, especially because I have never met in person with anyone who works with him or the artist himself. I disputed it with my bank ( Wells Fargo ) in hopes they could help me but they refused due to the no refund policy of the tattoo artist however, again, any communication Ive had has been through text and I was notified on their policy after I was scheduled. I then spoke to a resolution specialist and was told that I will have to wait ANOTHER 5-10 business days for them to reach a conclusion but it seems as though they are trying to side with the merchant which is unfair. I want to make clear that I was aware of this AFTER I made my deposit. I did not have a problem with this but I was supposed to already have received the services. I refuse to wait another year, at this point it does not seem that I will ever receive services. I gave {$500.00} away and NEVER received the services I paid for. I was naive and underaged when I made this transaction and feel that I have been taken advantage of. I am unable to load the messages on my phone because they were so long ago. This is unfair and I hope he is not able to do this to someone else again, banks are suppose to protect their customers from fraud, scams, and unique situations such as mine. There is no reason they should side with the merchant. After this I will no longer bank with 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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: NY

Complaint narrative:
I paid to have my credit repaired from Expert Credit Sweeps owner XXXX XXXX she was suppose to send out a dispute later to all 3 Credit Bureau on XX/XX/XXXX19 and i should have received a response back from the credit bureaus in 30 to 45 days i haven't received anything back from the the bureaus so i called them to ask about the disputes and all 3 bureaus said they have no dispute on file i also asked for proof from expert credit sweeps and have not received that as well i am being scammed she has taken {$300.00} from me for this work and will not provide proof of the 1st dispute later she claims she sent out

Company response to consumer: Untimely response
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Original debt was {$2900.00} no interest charged have bills from XXXX XXXX dated XXXX/XXXX/2018 Collection company bill dated XX/XX//2018 showing principal {$4900.00} interest {$150.00} total due {$5100.00} reported to my credit report I disputed it but nothing was changed I don't know how the principal amount due went from {$2900.00} to {$4900.00} in one day of it arriving in collections. I have attached the bills so it is clear that something is not right I am not understanding how now it is {$2000.00} above what was originally owed.

Company response to consumer: Closed with explanation