vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I went into the XXXX XXXX XX/XX/XXXX. Before I left the US, I closed or suspended all accounts that would not be used while I was gone. I contacted XXXX XXXX XXXX XXXX. Because they did not allow for more than 6 months suspension, I closed my account, with the intention of reopening the account upon return XX/XX/XXXX. 
I paid my final bill of {$52.00} on XX/XX/XXXX and closed my account. I no longer received the e-Bill through my on-line banking bill pay. 
I returned in XXXX to find letters ( all mail had been forwarded to my mothers home ) from Credence ( collection agency ). They were very nice and helped me dispute the charges ... twice. 
I have contacted XXXX XXXX XXXX ... they did NOT listen. They simply asked me to pay their bill! 
I have been with XXXX XXXX XXXX for many years and have paid on time. Although, they would notify me about my e-Bill, they never notified/emailed me that these charges were going unpaid. If they had, I would have known a mistake had been made, and in turn, reminded them that the account was closed while I was in the XXXX XXXX. Does XXXX XXXX XXXX do this to other customers who are serving our country?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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: TX

Complaint narrative:
I sent 4 written requests to each of the 3 credit agencies Experian, XXXX, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to Experian on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.

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 2020-03-20 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: FL

Complaint narrative:
This is a formal complaint against Experian, specifically with the Special Cases Department. I am doing this complaint through this because the agents of this department in Experian don't want to take my disputes, I have called multiple times, and they don't want to take action to do the right thing to remove the accounts that I am disputing of the unauthorized accounts. The agent of Experian says that the accounts that I disputed were already blocked, but that the creditors unblocked them and that they can't block them again. This is illegal and wrong, because I am aware of the federal laws of the section of the 605B of the Fair Credit Reporting Act and they are going against it. And I am within my rights to call the block and remove of these accounts as soon as possible after this complaint. 
( I am writing to inform you that I am a victim of identity theft. The information listed below, which appears on my credit report, is not related to any transaction made by me. Such transactions are the result of identity theft. Please block this credit information and send the required notice to all the businesses that provided you with this information. It is illegal and wrong for Experian workers to mistreat me, special affairs officers do not want to make disputes with me, they refuse and on the other hand allege that the police report that I provide them does not comply with those they establish, if this is the case because they refuse to supply what the police report should be like so I can request as they please. Since police reports are as they should be and as required by the federal government. In addition to the fact that you are reporting an account opened under fraud and it is also illegal and incorrect for you to refuse to make the dispute, I have every right to request and demand that these fraudulent accounts be blocked immediately and according to the federal laws that protect me since I am a victim of identity theft and I am providing a police report and all the documents required by law to support this fraud. Section 605B of the Fair Credit Reporting Act, which states that your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must promptly notify providers who supplied my information. ) The accounts I am disputing are the following : 1. XXXX XXXX XXXX BALANCE ACCOUNT {$730.00} 2. XXXX XXXX XXXX BALANCE ACCOUNT {$95000.00}. # XXXX 3. XXXX  XXXX XXXX BALANCE ACCOUNT {$62000.00}. # XXXX 4. XXXX/XXXX  BALANCE ACCOUNT {$1100.00}. # 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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express bluebird card. XX/XX/XXXX some how money got transferred to another account. They took XXXX that I got from my tax refund. I need help ASAP I have to pay bills take care me and daughter. The girl email and named shows on the transfer on my account. I checked XXXX took contact her she wrote a post basically saying that she had money and not sending it back. I HAVE PROOF THIS MONEY WAS IN MY SAVING I NEVERED MADE A TRANSCTION TO HER PLEASE HELP ME AND MY DAUGHTER!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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: CITIBANK, N.A.
State: MI

Complaint narrative:
You will see the Fraud Verification Unit of Best Buy has not responded back within the 30 days required under the FCRA/FDCPA, providing me with 1 ) the original signed consumer contract 2 ) video/phone surveillance proving ME to have a line of credit/usage. 

" Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the ORIGINAL signed contract-any and all accounts you post on a credit report. '' On XX/XX/XXXX I sent off a certified letter, demanding VERIFIABLE PROOF. They received my letter XX/XX/2020 at XXXX XXXX  They did not respond back to my letter with any proof. They sent another generated letter dated XX/XX/2020-STILL WITH MY NAME WRONG. 

My letter is clear. They are to cease and desist all calls and correspond with me by USPS mail. 

Without the ORIGINAL, PHYSICALLY SIGNED -- no online application -- this account is not mine and because they have not done as I have requested, entitled to under Federal Law, I demand the account be removed from all bureaus immediately AND all collections stopped.

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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM

Complaint narrative:
I paid the debt in full on XX/XX/2020 and I received a letter from the company saying that my debt is paid in full and that I do not owe them anymore money. They told me that when I pay the debt they would take it off my credit right away but it is still on my credit report and my credit report states that I owe them XXXX dollars when I have a letter from them stating that the debt was paid in full and that I owe them nothing. The debt is in my maiden name XXXX XXXX but now I am married and y name is XXXX XXXX now. I have called this company over and over to get this resolved and they do not want to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
The amount of money going toward the principal was really low and quite unexpected. I paid {$1200.00} over 3-4 months and only {$400.00} went toward the interest. Now it is after the first 100 days and the interest rate went up to 114 %. I will be paying this loan forever and keep getting deeper in. They take {$140.00} every other Friday on a XXXX loan! The final payback amount is {$3800.00} at this rate. No one told me when I went to the mechanic shop that I should just go sell my car. Even after the repair my car ended up having another $ XXXX repair a few months later and with more knowledge, I went right to a dealership and sold it as it. No repair. No additional loan. So now I have a new car and new car note of {$400.00} but have to pay {$310.00} a month on this ( {$700.00} a month if I want to avoid the predatory interest ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TX

Complaint narrative:
I sent 4 written requests to each of the 3 credit agencies XXXX, XXXX, and TransUnion to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 TransUnion on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.

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 2020-03-20 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: TX

Complaint narrative:
I sent 4 written requests to each of the 3 credit agencies XXXX, Equifax, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: NM

Complaint narrative:
My husband and I sent the finance company a final payment for our car and we paid the car off in full on XX/XX/2020. I have called them numerous times and asked them for our pay off letter and our title to the car. They keep telling me that it will be 7 to 10 business days to receive it but it has been almost a month now and we still havent received it. I called them again today XX/XX/2020 and the lady told me that they do not have any record of me calling and asking for it. But I have proof on my phone that I called them to ask for it and my husband is my witness to these phone calls. I am tired of the run around and would just like the pay off letter and title sent to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
North Carolina State Employee 's Credit Union recently started reporting auto loan to XXXX. Disputed missing payment history with XXXX  and North Carolina State Employee 's credit union. North Carolina State Employee 's Credit union has submitted information to XXXX  to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX credit report as an example of what should be reporting to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently started reporting auto loan to Experian. Disputed missing payment history with experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted information to Experian to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX  credit report as an example of what should be reporting to experian

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 2020-03-20 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 Two mortgages were reporting on my credit report resulting in an incorrect debt to income ratio. This was due to one mortgage being transferred to another lender. During this time I disputed DMI/XXXX XXXX to be removed from my credit report as this was not the current lender. XXXX  instead removed both loans from my personal credit report, thus negatively affecting my credit score and not reporting accurate or correct information. I have contacted the lender Dovenmuehle to have this re-submitted to the credit bureaus, attached are letters stating the information has been re-submitted to XXXX  and this has taken longer than 90 days to fix. I would like Dovenmuehle account XXXX to be put back on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
They've called my family my work and my husband who isn't even on the loan after I told them to stop contacting me almost 2 years ago. They constantly try to resell and open my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Ii have been struggling to resolve ID THEFT FRAUD TO NO AVAIL FOR LONG LONG TIME.. I am Unable to Access my account on line due to a Severe Hand Disability.THEREFORE, I am requesting ( Special Needs Options ) for the XXXX. Please provide Written Documentation of all Fraud Reports from XX/XX/XXXX thru XXXX XXXX. USAA IS ON LINE BANKING ONLY FOR ME. I HAVE NO ACCESS TO THIS INFORMATION ANY OTHER WAY. Please include written documentation of the resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I'm filing this complaint on Fay Financing company for transferring my mortgage to XXXX XXXX  company with an uncorrected error on my mortgage account. I received notice of an increase in my mortgage payment by Fay Finance. Stated that they did an analysis on XXXX and my mortgage was raised to XXXX. I called and asked why the high increase in my payment I found out that the analysis was done without my property tax exemption, then I was told that when they received the loan package from XXXX XXXX there was no tax exemption document stating that I was entitled to any exception. My mortgage was transferred to Fay Servicing from XXXX XXXX which had the proof of my exemption. I have no control of how documents are handled by the creditors, but would hope they would be handled with care to avoid a situation that would cause such an error. My proof of exemption should have transferred with all of the rest of the important documents that was issued to Fay Financial. Then Fay Finance couldn't justify the over three hundred dollars added to my mortgage.Fay Finance found out that my stormwater fee was behind in payment and paid the XXXX XXXX XXXX dollars to my city who I had a XXXX dollars a month payment agreement with paying on a monthly basis. The stormwater utility fee is similar to fees paid for water and sewer service, trash collection, or electricity. It has nothing to do with my mortgage payment until I was caught up. Then Fay Finance started paying my stormwater fee before I could get a chance to pay it. I never asked them to pay my bill. I then made the city treasury department aware of what Fay Finance was doing. I then received notice that my account would be transferred in XX/XX/2019. I paid my payments to you including the stormwater fee and was still not satisfied with how my account was handled. You transferred my account to XXXX XXXX as late and that is the state it has been in. Fay Finance has reported me late 30, 60. 90 days late. Dragging down my credit score now XXXX XXXX is doing the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Highest balance : {$7400.00} Issue : the car was returned for lease termination. 
GM Financial never sent the closing statement for final payment. I called in twice in the following 5 months and was told the closing statement had not been generated. 
When I called in XXXX, XXXX to gather information on 3 GM financial accounts ( all car leases ) for mortgage application purpose I was told this one account was 60 days delinquent ( other 2 were closed ). I asked for explanation and I was told they had sent out closing statement in mail and called my cell phone. 
However, I have never received the closing statement in mail and gotten any voicemail from GM financial. I never pick up phone # s that's recognized. however, I've never received voicemails left by GM Financial. 

I've requested to file a dispute but GM Financial never documented the complaint and created a dispute case. I've also filed a dispute with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had my U.S. Bank account closed because of a check being deposited. This check was from my previous apartment owner for a returned deposit. I no longer have access to my account online or at any atms and can no longer deposit or withdraw. My account had money other than that check so I dont know why a hold would be placed on my whole account. I was told I can go into the original bank I opened the account at however this is inconvenient. I have never not been able to access my account nor given a reason as to why my account is frozen.

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 2020-03-20 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation