vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 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:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN 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 2018-07-29 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: TN

Complaint narrative:
This credit card company is not reporting ( my correct balances ) to the credit report agency in a timely and accurate manner. I am not receiving my billing statement from this credit card company in an accurate and timely manner. With this credit card I requested to have it delivered to me via electronic mail, but have not received one for XX/XX/2018 billing statement cycle. This credit card company is not updating my information to Transunion accurately. My online account does to reflect correct account information in real time from this credit card company.

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 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
In XX/XX/2017 my car loan was purchased by Pinnacle Financial. My car has a fail switch so my original contract doesn't contain any late fee amounts. I noticed that this company had been charging me late fees. I questioned it but they ignored my questions. They also have admitted taking payments out of my account illegally. Most recently I made several inquiries to obtain a print out of all payments and late fees collected from the account on file. They have blatantly ignored my many requests. The representative that was managing my account had tried to send me a screenshot but I needed something more professional on company letter head for my mortgage lender. I believe that this company is fraudlently charging me. I would like them to supply proof of what I have paid to date as well as proof that they now hold my loan and how many payments I have left. I would also like a refund of the late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29 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: FL

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries reporting to My credit report, please find the list : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2018-07-29 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 — Was not notified of investigation status or results
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I am filing this complaint because Optimum Outcome has ignored my request to provide me with the documents that their company has on file that was used to validate the account I disputed.I have sent a debt validation letter to Optimum Outcome and have yet to receive a response in regards to " my '' so called debt that was sent Certified mail and i have proof showing that it was received. I actually did received a response for a completely different person/account that does not even live at my location. Being that they have gone past the 30 day mark and can not validate these accounts, they are required to promptly delete all information which can not be validated. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: World Omni Financial Corp.
State: FL

Complaint narrative:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: FL

Complaint narrative:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

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 2018-07-29 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: FL

Complaint narrative:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

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 2018-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AR

Complaint narrative:
COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY.

THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS.

WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting an outdated " hard '' credit inquiry on my credit bureau report that they provide. 
The inquiry is dated XX/XX/2016 and was made by XXXX. 

I have contacted them to have this inquiry deleted from my credit report, with no results. 

Under the terms of the Fair Credit Reporting Act, or FCRA, passed by Congress, any credit inquiry that is 2 years old or older, must be deleted from a consumer 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX  CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I just recently checked my credit and noticed I have and XXXX bill if {$1400.00} that were open XX/XX/2016. I have no knowledge of this bill because I never used an XXXX account! This has an big impact on my credit because Im trying to buy a house and there telling me this about has to be removed or paid and I cant afford to pay for something thats not mines! Is there anyway you can look in getting this removed from my credit? I called them and they told me to file a report through you all.

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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Berco Finance Corp
State: OR

Complaint narrative:
On XX/XX/18 I was shopping for a new car. I ended up at XXXX XXXX XXXX XXXX XXXX  in XXXX oregon. I found a truck that I was interested in but had a large scratch on the tailgate and was missing a headrest. I gave XXXX ( salesperson ) my number and told her to let me know if they could repair the scratch and replace the missing headrest and was in my way to look at more trucks. XXXX called me about 15 minutes later stating that her manger approved the minor repairs if I come back to buy it. I returned to the dealer and started the process to purchase the vehicle. After running my credit XXXX informs me that they will not be making any repairs and it is what it is. I told her that was not the agreement and she just shrugged. After getting a manager I was told the same thing we never agreed to that. I cancelled the transaction and will never work with XXXX XXXX again but they have still pulled my credit ( probably several times as most car dealers do ) negatively affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM EXPERIAN CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.

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 2018-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
This is related to CFPB case XXXX. On XX/XX/2018 I approved a wire in the amount of {$8000.00} USD to be transferred to an individual in XXXX. The funds were supposed to be available to the individual in XXXX no later than XX/XX/2018. That did not happen. On XX/XX/2018 I requested a return of funds. CFPB case XXXX related to the delay in receiving funds. My account now shows that I received {$7500.00} for the wire transfer. This means that I have lost {$480.00} for a transaction in which SunTrust didn't fulfill its end of the deal ( i.e., the funds were not transferred to XXXX by XX/XX/2018 ). In addition, the transaction cost me {$50.00} in fees. While SunTrust responded to the last CFPB case, they did not provide me the telephone number of email of the employee ( i.e., XXXX XXXX ) who responded to my complaint. This type of client service is entirely inadequate.

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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM EXPERIAN, AFTER CONSUMER OPTED-OUT.

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 2018-07-29 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: CA

Complaint narrative:
I called CapitalOne concerning an XXXX charge that was on my card that i did not know about. I also told them that a XXXX charge was ok one time but it was not ok going forward because it is my X-Wife and she is no longer with me. The charge is for {$140.00} and is on my account twice without my permission. I can not stop the payments myself because i do not have the account information and this company never sends anything to this address in the mail. When i called they told me it's all done via email and if I don't have the account verification information then no account changes can be made. So i have these changes that will not stop. I told them to cancel the card and stop all payments to the account and they told me that all payments will be transferred to the new card per the agreement they have with Visa and Mastercard. So i can't stop the charges unless i close the account. Closing the account will have a negative impact on my credit because i just opened the account less than a year ago. All that i asked them is to stop the charges they tell me they can't. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2018 I was issued a Capital One credit card with the understanding that my minimum payment would be {$25.00} per {$1000.00} balance. I used the card several times in the winter and spring and each month I sent DOUBLE payments. Instead of the {$25.00} minimum payment, I sent a check for {$50.00}. The company did not, as it seems, apply the amount over the minimum payment to my balance completely, in turn making my balance increase rather than remain stable or fall. 
Now, I get a bill that states my minimum payment is {$30.00} on a {$950.00} balance, and this is not what was expected per the paperwork I received. 
I spoke with a representative at CapitalOne and it seems that they only conside a double payment if I paid twice in a month. Not right. and they are telling me that my interest rate rises the higher my balance is. 
I have never had this happen to me with any credit card I have had in the past and it seems no one at CapitalOne cares to help me. 
I was mislead on this credit card. If I had known this, I would not have taken the card. 

Also, credit applications should be SIMPLE and in PLANE English, not in legal jargon that no one understand unless they have a Law degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I originally received a call from this company attempting to collect a debt. I offered a settlement without doing any research on the account because I recognized it. They denied the first settlement offer, I then tripled the settlement offer and still they refused. So I did some research and disputed the account with the 3 credit bureaus. They all removed the account from my report on the grounds that it was too old to be collected on. 
I called this company and notified them of the finding by the credit bureau and asked for them to XXXX out the balance and close the account, they refused. I then asked not to be contacted any more. They continue to contact me on a weekly basis. This morning I awoke to an alert on my credit report, they have since reported the same debt removed from a dispute again and continue to call me. 

Please help me, these people are harassing me and ruining my credit that I have been trying so hard to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX was my original mortgage company. The ownership of my mortgage was transferred over to XXXX XXXX XXXX XXXX XXXX. 
But they are not the servicer of my loan. The servicer is Specialized Loan Servicing LLC. The Loan was transferred XX/XX/2018. 
Since the transfer, I have not received a detailed statement ( escrow balance, payments made on my behalf, verification of homeowners insurance and property taxes paid ) or ANY statement for that matter. I have called several times only to be promised a statement to no avail. 
Not only do I not have any way to pay my mortgage without a statement, they want to charge me a service fee to pay over the phone! 
I have escalated this issue to the managerial level several times and have been promised I will receive a statement. I have NOT received one to date.

I am concerned that there may be some sort of fraudulent activity with this company.

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