vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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: FL

Complaint narrative:
I was out on XXXX, and went into a XXXX XXXX XXXX. I was in contact with the creditor, XXXX XXXX through out the entire time. I made a payment arrangement with the debtor and was told this would not appear on my credit report. I have filed two disputes with Experian, and one with XXXX to have this corrected as per the debtor. I spoke to the debtor earlier this week, and they confirmed that they would take care of it. After filing 2 disputes with Experian, and in spite of the mortgage companie 's assurance, Experian refuses to correct the information. I am getting frustrated. 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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance one is threatening too garnishment of wages I'm unemployed can't afford too payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
My complaint is against Velocity Investment LLC ( Debt Collection Agency ), that I was paying on two loans that I had got behind from the original lenders : ( XXXX XXXX / XXXX XXXX XXXX ), due to the lose of income. Velocity Investment LLC deliberately sent false statements to these three other Debt Collection Agencies : 1. XXXX XXXX XXXX. 
2.XXXX XXXX XXXX XXXX XXXX XXXX 
3. XXXX XXXX XXXX , XXXX. 
Stated that they ( Velocity Investment LLC ), had ONLY received the last payment in the amount of {$30.00} dollars on XX/XX/XXXX ( XX/XX/XXXX ), when they had been receiving payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX payments ). After receiving these letters and numerous harassing phone calls in XX/XX/XXXX ( and continue phone calls now from XXXX XXXX XXXX , XXXX, XXXX XXXX ). On XX/XX/XXXX, I had called Velocity Investments LLC, and spoke to the Office Manager, Ms. XXXX about this matter and ask her why did they send a false statement to other Debt Collection Agencies, and stated that your company had ONLY received the last payment in the amount of {$30.00} dollars as of XX/XX/XXXX, when you where still receiving payments, as of XX/XX/XXXX - XX/XX/XXXX. Ms. XXXX stated to me in a very rude and disrespectful way that she could no longer talk to me about my account, because it was turned over to other Debt Collection Agencies, She said, " You call them, '' and I don`t have anything else to say to you. After not giving me any reason of why this took place, Therefore, I had filed a complaint against Velocity Investment LLC with  the XXXX XXXX XXXX in my city ( XXXX, FL ), on XX/XX/XXXX, But they stated to me, that this case was out of their district and refer me to your company ( Consumer Financial Protection Bureau ), to see what type of help that I can get in this very stressful situation.

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 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX XXXX offered to forebear some mortgage payments because the area we live was declared a federal disaster area after a Hurricane. 

All payments agreed were made on time as requested with no late fees or letters In XX/XX/XXXX the account was sold and Shellpoint began to administer the account All payments were made on time with no late letters In XX/XX/XXXX the HAMP/HARP payment of {$5000.00} should have been awarded. Shellpoint refused and started sending me late letters and charge me for home inspections. 

After I proved the facts they eventually agreed to credit the {$5000.00}, which they had no choice after acknowledging I was never late and therefore entitled to the money However, they refused to refund any fees They also decided to incorrectly list me as owing thousands more than I did with the Credit Agencies and show no payments How can I be on time ( therefore receiving HAMP {$5000.00} ) and in arrears. 

Impossible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I'm having a problem with Huntington Bank I called in and updated my address for my new car to be shipped and this is my second time updating my address they never sent my card to the first address that I have one file which is my mailing address so by me not getting the card I called in again and gave him my current address or I just moved that they shipped my card and when I try to activate my card they told me there was a hold placed on my account so I called in and spoke to a supervisor the supervisor told me he see the problem with my account and the problem came from an employee at Huntington Bank where there was a hold placed on my account by one of Huntington Bank employees not putting the notes in the computer they are asking me to fly back to Kentucky just to walk in the branch to show me a photo of my ID to get my account back and I just spoke to them letting them know that I just had a XXXX child and that I can't make it back to Kentucky at the moment so everyone I'm speaking to his being very disrespectful the calls are recorded and I don't feel like I should be going through this XXXX because of a error made by the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was on temporary XXXX ; and went into a XXXX Pay Status at work. I have been in contact with USAA/XXXX the entire time. I made a payment arrangement with the mortgage company so that my mortgage would be paid and there would be no issues. USAA/XXXX agreed to keep showing my account as current without any negative comments. My credit reports are showing XXXX late payments and this is having a very negative impact on my credit. I contacted USAA/XXXX again this week, and spoke to a representative, who assured me that the late payments would be corrected. I have filed disputes with all of the credit reporting agencies : XXXX XXXX XXXX XXXX. However, the incorrect, negative information remains on my account. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
Messerli & Kramer PA called me at my office at XXXX CT on XX/XX/2019 about a collection account owed by my wife. At no time had my wife authorized that number to be used, and I most definitely had not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A customer service agent from the original creditor Capitol One reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXX need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Retail Services ( Lord and Taylor ) charged me a {$27.00} late fee! 
Outrageous and obscene. I have never been late with paying Lord and Taylor!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 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: SLM CORPORATION
State: IL

Complaint narrative:
Sallie Mae continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to Sallie Mae in that month as well. Moreover, a Sallie MaXXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call Sallie Mae and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I am trying to close my account with HSBC and was informed today that the process of account closing is done entirely without documentation -- it is done verbally, over the phone. This is incredibly bizarre to me. I asked for any kind of documentation for my own records about closing the account and was told there is none. That is really shady, even for HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXXXXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this unrecognized collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: IL

Complaint narrative:
XXXX XXXX continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to XXXX XXXX in that month as well. Moreover, a XXXX XXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call XXXX XXXX and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.

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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AZ

Complaint narrative:
XX/XX/2019 XXXX sent me an alert that someone altered my credit file. The company that altered my credit file is Enhanced recovery company. They never sent me any correspondences regarding collections. I reported my concerns with the attorney general in XXXX, florida. I tried calling Enahnced recovery company and request that they send me a signed signatue proving I was the one responsible for this account. I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: IN

Complaint narrative:
I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX 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 non-monetary relief
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see whereXXXX XXXX, XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX, XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2018, my Bank OF America credit card # XXXX was unilaterally cancelled by BOA. At the time of cancel, I had accumulated XXXX reward points with a cash value of {$2100.00}. This amount was available to me at any time as a cash refund, or as a credit on future purchases, or as a payment on the current balance. 

Bank of America has refused to give me my {$2100.00} in cash, credit, or any other way. By phone, they said once the card was cancelled, the points disappeared and were no longer available to me. 

This is theft without recourse.

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