vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VT

Complaint narrative:
We set up automatic payments with our mortgage company. They did not process it And instead send a delinquent notice. There is no customer service to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
Medicredit was contacted by XXXX XXXX that the debt was not owed from me. The medical office XXXX XXXX never sent the bill to the insurance company for payment. I filed a grievance with XXXX and the result is I am not responsible for the debt. After Medicredit was contacted by XXXX   they sent me yet another bill and filed this information on my credit report. It isn't my fault the medical office didn't submit the bill and Medicredit needs to resolve the issue with 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 2019-06-25 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: CT

Complaint narrative:
I am writing this due to non compliance with the CRAs ( Transunion, XXXX, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-25 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: CT

Complaint narrative:
I am writing this due to non compliance with the CRAs ( XXXX, Equifax, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CT

Complaint narrative:
I am writing this due to non compliance with the CRAs ( XXXX, XXXX, Experian ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX my wallet was lost. I assumed I had left it at work until Monday morning I woke up to 2-3 fraudulent charges. I called the bank on XX/XX/19 and was told I had to wait for the transactions to fully settle before disputing, fair enough. On XX/XX/19I replied to a message regarding a dispute I had filed a week or so prior for merchandise not received, and advised that I needed to dispute the 2 transactions now that they had settled. I still have not heard back from this message, so I called on XX/XX/XXXX and was finally able to dispute the transactions. 

Per Regulation E I am entitled to a provisional credit while they investigate given their investigation is going to take longer than 10 days. I believe the bank is not following the regulation as I have not received a provisional credit for the dispute filed on XX/XX/XXXX nor the original dispute for merchandise not received which was filed on XX/XX/XXXX and confirmed by the bank on XX/XX/XXXX via the message I replied to but have not heard back on. 

I've reached out to the financial institution both via phone, email and via social media and have been dismissed each time. I am filing an official complaint not only because I believe I deserve the credit, but also because I believe the bank itself is in violation of this regulation with other customers as well. I urge you to look into this bank entirely, not just for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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 reporting duplicate collection items for {$150.00} on the XXXX XXXX XXXX IN partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I looked at my credit report and noticed a late payment from Capital one/Saks Fifth date listed below : XXXX 2018 30 days late I am not sure how this happened. I make all my payments when I get the statement in the mail. I think that the statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare still is unable to update my payments to current. I have never missed a payment. They misapplied my funds to principle and fixed my credit for escrow misapplication but still show me as owing XXXX payment. I have been Working with XXXX XXXX and he has been waiting for the Cash department to apply updated payment for XXXX. I have been marked as late by Loancare and my fear is they report to credit bureau again. I need them to apply XXXX Payment correctly and show me as current on loan and XXXX payment is next payment due.

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 2019-06-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Ex-fiancee and I obtained a 2nd loan for approximately {$63000.00} from XXXX. 

Loan was transferred to XXXX. Appromately XXXX. 

XX/XX/XXXX - Relationship ended with fiancee. 

XX/XX/XXXX, XXXX Loan was sold to VeriPro Solutions for {$62000.00}. 

XXXX XXXX - Received a lump sum payoff quote letter from VeriPro Solutions for {$51000.00}. 

XX/XX/XXXX - Received a Payoff Letter from VeriPro Solutions while in escrow to sell the subject primary single family residence for {$91000.00}. 

XX/XX/XXXX-XX/XX/XXXX - Contacted the lender to request and negotiate a " reasonable '' payoff amount. They were not willing to be reasonable nor to negotiate since the property was in escrow and in their opinion, there was enough equity for the payoff with no regard to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
Convergent outsourcing has failed several times to validate my debt. They illegally report to a credit bureau without any proof. I have sent multiple validation letters and received nothing back. I have proof of every letter sent with nothing being returned. When I file a complaint they say the debt was with another company that they are representing. I have not seen any proof. Show me a legal validated response. Show me my signature saying I owe. Show me how I came to the number I originally owed. Show me a contract I signed. You can sit here and give your false statements all you want but you have no proof. I want to see proof. FCRA has laws in which you need to abide. Show me a contact with my signature on it and if you cant then it needs to be deleted.

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 2019-06-25 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: AZ

Complaint narrative:
Started calling Experian at XXXX XXXX Pacific Time for help with temporary lift of Freeze on Credit Report. Last call was at XXXX Pacific Time. 
Called XXXX, XXXX, XXXX with NO luck getting thru since they offer NO agent help, and I just sold my home of 16 yrs in XXXX, moved to XXXX & bought new home, living in rental during Contractor renovations on new home, and my profile responses no longer fit there records due to moving, so they keep instructing me to write to XXXX Texas to life a Temporary Freeze.

They changed their system & no longer accept the original passwords and PIN I had.

Experian should not be handling Credit w/o live agent help! 
I need to lift my freeze to apply for cable services in XXXX. 

Contrast with XXXX who offered live agent help to lift freeze today.

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX. I was purchasing a home in XXXX Georgia through Quiken loan as the finance company. After giving Quicken. All require documents which they approved. They also set a closing date. They then ask me for ID. And I send it to them. After they notice that I was not born in this country. They denied my loan. Meanwhile Ive live in the U.S. for 50, years and work the same job, for over 25, years making {$160000.00} XXXX dollars annually. Plus I already owned 2, home one of which is a rental property in XXXX XXXX XXXX value at XXXX, XXXX. Did these people discriminate against my XXXX, or my XXXX XXXX. Or both. The lady who was doing the loan quit, and called me personally to Apologize for what happen to me. And ask me if I got the loan. Which I did in record time because I wouldve lost the house. They were other people who wanted the house. If any lawyer wants to take up this case please contact me at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation
State: WI

Complaint narrative:
While working for XXXX, I received a Debit Exceed card in which my payroll was put on to. I am no longer employed for XXXX. I was able to use my card until the end of XX/XX/XXXX. As soon as I noticed I was not able to retrieve my funds on the card, I contacted the company. XX/XX/19 called and was told my card was on hold and that I would need to submit a copy of my card, drivers license and a piece of mail with my address. I called back XX/XX/19 and was told it would be another 3-5 business days until I was able to access my funds. I tried several times to use my card to no success. On XX/XX/19 I called again and was again told my card was on hold. I then asked what was needed to do so that I was able to close the account and get my funds on my card. I was then told I needed to submit a copy of my drivers license again, a statement and a letter regarding why I wanted to close the account and my signature. I then called again 3-5 business days later several times only to be told my account was still on hold. Each month they have been deducting fees from my account and still unable to use my card or get my money. I was a XXXX XXXX XXXX   and unable to contact them between XXXX   and XXXX XXXX. I was finally able to contact them again XX/XX/19 in which I again submitted now 3 forms of identification. XX/XX/19 was the last time I contacted them and the account was still on hold, but could not do anything because it was not during the 8-5 monday-friday business hours. But indicated they would now want me to submit my social security card. I refuse to submit anymore items as this sounds like fraud to me. I received a W2 in which I filed taxes on money I still am not able to access. As of today XX/XX/19 the account is still on hold. All I want to do is get my money and close the account before they consume it in fees and begin to ruin my credit.

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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, in a phone call to Simple Bank customer service, I reported that my checkbook had come up missing. I asked the CSR to please make a note in my account about this and not to honor any checks without my consent. Was told by the CSR not to worry, that Simple would freeze any checks that might possibly come through as they would be forgeries. I questioned the CSR about it again and he assured me that I had nothing to worry about. 
On XX/XX/2019 Simple processed check number XXXX and deducted {$89.00} from my account even though I had told them 3 weeks prior that these checks were stolen. In numerous calls to Simple over the next two days, I was told different things by everyone i spoke with, but all reps stated that Simple had messed up and somehow this " slipped through the cracks ''. They stated that they would rush putting the money back in my account as I had told them prior to and this was a mistake by Simple. Make no mistake, Simple had taken responsibility for this deduction from the start. 
However, things went from bad to worse quickly. Because the account number had been compromised, they froze my debit card, effectively sealing me off from my funds. The XXXX, a representative unfroze my card so I could withdraw {$300.00} in cash from the ATM, and then refroze it, stating I could call back the following day and she would do the same so I could withdraw more cash to pay my rent. The following day ( XX/XX/XXXX ), in over 15 calls and 7 hours phone time, I was never given access to my debit card as promised, and was lied to countless times by different CSR 's. Told it was unfrozen and to go immediately to XXXX to get access to my money. Another one, it's unlocked, go to XXXX and use the ATM. It's in a maintenance state, but will work in 2 hours ... Card is frozen and we can't do anything about it but we can XXXX you a check arriving the next morning ( hours later, oh, it's too late for that now, sorry ). And then closed my account because of my total frustration with all the lies and misdirection. 
However, Simple STILL has not refunded the {$89.00} they deducted for check XXXX that they knew was forged and had been notified 3 weeks prior. As of today ( XX/XX/2019 ) I still have not received these funds that they admitted were mistakenly deducted from my account. They asked me to submit an affidavit but never have provided the information about this check to complete said affidavit, along with asking me to spend {$25.00} to have it notarized ... After taking my funds by mistake. Numerous calls and messages to simple has resolved nothing and I want my money back they erroneously took

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been charged for years a service fee for something called ( Payment Safeguard XXXX )  and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. 
I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so  cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, 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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I received a credit card not in my name but in the name of XXXX XXXX. I also received a letter dated XX/XX/XXXX from Old Navy stating my request for increase in line of credit had been denied, which I had not requested. When I called Old Navy customer service on XX/XX/XXXX, I was told someone called in with my information and added XXXX XXXX as an authorized user and requested a line of increase. I stated this clearly wasn't me and asked for her to be removed from my credit card as a user, as well as cancel the card number and reissue me a new one, which was informed would be done. I was then transferred to the Fraud Services department and informed her name would be flagged. However, when I received my new cards on XX/XX/XXXX, I received 2 cards with XXXX XXXX XXXX name on them, one with the name XXXX XXXX. When I called Old Navy Services again, I was informed this person had AGAIN called and placed herself as an authorized user on my account despite her name being flagged. I asked for her name to removed AGAIN and have new card issued again with new numbers. I was also issued a special pin that must be used in order to access the account since it would be frozen. I was transferred to their Fraud Services department again. On XX/XX/XXXX, I checked my account online and found that XXXX XXXX had AGAIN been added as an authorized user. I called Old Navy AGAIN and asked to speak with a manager as this was the third time this has happened. I was informed this person had called the prior day and added herself again. I informed the manager this was unacceptable and obviously my SS # had been compromised if they were using it as verification to make changes to my account. I was informed an email would be sent to the back department regarding this manner and a new credit card number would be issued. Checking currently XXXX XXXX has once again added herself to my account and I have to call Old Navy again. This is completely unacceptable in the security of the Old Navy Credit Card services.

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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card was charged {$470.00} on XX/XX/2019 at a establishment ( XXXX XXXX XXXX XXXX  ) I havent ever been or ever brought from in witch i didnt authorize the transaction i called and had the charge disputed with the fraud department i told the gentleman that i didnt have the card when the transaction took place and he put on the report that i said i did have the card witch was wrong and now citibank is saying the charge was rejected and charging me for the {$470.00} i have sent information from the merchant saying it was a big charge at their store and they would refund me back i filed 3 letter of appeal with the bank but they keep closing the case and isnt trying to XXXX  me with the process

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 2019-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ask Experian multiple times to delete inquiries that are not mine. 

Was told they cant dispute inquiries that are account holding. 

I dont have any accounta with any of these creditors XXXX XXXX XXXX   You applied for a credit card in XX/XX/XXXX XXXX You applied for an auto loan in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX, XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/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