vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I files a previous complaint against loandepot in which they lied in their response. 

I have continaully followed up for the result fo the incvestigation promised into the phony appraisal they recieved.. 

In addition they claim to have offered me a loan. Whatthey negelect to mention is I had to pay substantial fees resulting in their illegal false promises and inability to a. ) close byu the time the promised in writing. and b. ) the loan was in no way what I applied for, was promised or needed. Instead it increased their fees, left me with damaged credit, and was unrealistic as well as a breach of fiduciary duty given they committed to the loan then dropped it -- then lied, then took 6 months to sort it out ;. 

I have asked over and opver for them to provide me the result of the investigation into the apprasiser and they refuse to answer. II have concrete proof that id irrefutable that I am correct and the " appriaiser '' never set foot in the house..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital one closed my credit card because they stated the payments were inconsistent, but my credit is reporting that there has never been a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
through this CFPB complaint portal I was able to obtain some additional information regarding the extent of my identity theft. it was initially though of to have begun in or around XXXX as the police report stated, also all info that I was able to get came directly from my credit report as these accounts are not mine. I was informed that there is another vehicle that was accepted as a trade in also in my name. I have never traded in a vehicle in my life. furthermore I had fought my employer to prove that I was not liable for the wage assignment to the point where I won a case with my union after resigning my position. it was also said in the response to the complaint that my personal identification was used " same picture '', also it was mention that my police report stated XX/XX/XXXX was when the theft of my identity began, well that was all I had knowledge of at the point, so a revision of my police report will be done but this company seems to suggest that since my personal info was used to obtain these goods then the debt is valid, also as explained I had been granted a discharge by federal guidelines of all debt in XXXX, and this debt would have been included if it were valid NAC act # 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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: FL

Complaint narrative:
On XX/XX/2018 I sent out a certified letter with proof of identification to XXXX  in regards to removing the unverified accounts XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in XXXX 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

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 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX started garnishing my wages at my work without getting a judgement. My work took out {$350.00} on XX/XX/2018 per XXXX XXXX request and sent them the payment, they again took out {$350.00} on XX/XX/XXXX and sent the payment to minute loan center. They only stopped garnishing my checks because I got laid off on XX/XX/2018 and have been unable to find work. I didn't know that XXXX XXXX XXXX could garnish my wages with out getting a court order. On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating they had not received my payment from the garnishment and that they found out I was not working there, that same day I received an email receipt showing the payment. I didn't contact XXXX XXXX XXXX about being laid off because I thought my work would, that is how I found out it wasn't a garnishment with a judgement. How is this fair, what can I do about it? 

I did not know it was an option to sign the wage assignment form, I was told I had to sign it but was told that they wouldn't garnish my wages without getting a judgement, wish obviously isn't true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: FL

Complaint narrative:
Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group
State: TN

Complaint narrative:
I have been contacted by this company multiple times and have sent a cease and desist letter asking not to be contacted again. Letter was mailed on XX/XX/XXXXfrom the post office. I was not contacted again until today, XX/XX/XXXX, by XXXX XXXX. I returned her phone call at XXXX XXXX & she became very hostile over the phone when I refused to pay. She claimed they did not receive the cease and desist letter, when I asked for an address to send the letter again she refused to give me the address until I answered her questions. She claimed the call was recorded, and I hope it is for the CFPB to investigate, as when I asked her to not contact me anymore she said she would continue to contact me. She also claimed this could come back to hurt me ; did she mean physical? Right before she hung up on me she mentioned the type of car I drove. A scare tactic like somebody is watching me or was she misrepresenting they would try & take my car which has nothing to do with this case? She claimed the debt was for a high interest loan taken out online with XXXX XXXX XXXX.  When I research XXXX XXXX XXXX their interest rate is above the maximum legal amount allowed in Tennessee and Northwood Asset Management is not licensee to collect debts in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
on XX/XX/2018 I sent a certified letter to company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX - XXXX XXXX XXXX XXXX with proper identification requesting to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), of the account balance {$110.00} They are required by federal law to verify FCRA ( Section 609 (  a ) ) They did not provide me with a proof of verification, as a gesture of goodwill before litigation if needed, I am requesting removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
MR. COOPER/NATIONSTAR FAILED TO DELETE LOAN NO.XXXX FROM ALL BUREAUS ( SEE ATTACHED ). WE ARE GOING TO FILE A LAWSUIT FOR {$35.00} XXXX FOR ALL DAMAGES CAUSED US BY NATIONSTAR! 

THIS WILL BE THE LAST TIME NATIONSTAR VIOLATES THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I have a Bank of America checking, savings and CD account and my CD was for 48-months. I received the letter in XX/XX/2018 to contact Bank of America regarding CD. I visited one of the branch in XXXX, CA on XX/XX/18 and was informed that I have to call or visit the branch on XX/XX/2018 to either withdraw the cash or continue for another some time. I was also told that Id be informed on XX/XX/XXXX how much the interest rate will be there. 
Today, on XX/XX/XXXX I called Bank of America, waited for 45-minutes over the phone and later talked to an extremely impatient woman XXXX who refused to help me. I hate the way Bank of America treat its customers. I really seek help to get all of my cash from my checking, savings and CD accounts and close Bank of America for good. Its the worst bank in the United States.

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 2018-09-17 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:
For months ive been trying to figure out who this company is reporting on my credit file, this report is being reported as a collections item! But with no info of the reportying creditor! Zero info on this account, and they keep reporting it as being verified but dont tell me who its with, or who they verify it with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
RE-OPEN PREVIOUS CASES added to CFPB member account. 

The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. 

As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. 

References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a longstanding customer with this company. I contacted capital one via online dispute and requested that late payments be removed from my credit file. I explained to them that I had some financial hardships, including loss of employment, and unfortunately was unable to make the payment on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital one has been unwilling to help me resolve this matter in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: PA

Complaint narrative:
I contacted Capital One in XX/XX/XXXXabout some fraudulent activity on my account. Nothing was addressed until XX/XX/XXXX when I filed a complaint with the CFPB. Through the investigation, the credit card company credited my account for the purchases made on my account. In XX/XX/XXXX, the CFPB received notification from Capital One that they had granted me monetary relief for approximately XXXX which would cover the amount of fraudulent transactions. The CFPB believed the complaint to be settled and closed the complaint. There was neither any explanation nor indication that any of the previously credited money would be returned onto my card. 
Reference number : XXXX Capital One received payments from two different bank accounts not in my name and not controlled by me. They confirmed and approved the deposits which made it appear that the account was active, up to date, and able to be used. Three months later, after the purchases were made, the deposits were returned. It is not my fault that Capital One did not do due diligence and accepted monies from what were presumably stolen bank accounts. Had Capital One not approved the deposits, the purchases would not have gone through. There was no indication that there was anything wrong with the account until the payments were returned in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I paid the loan amount off in full and have been waiting for the status to be reported to all 3 credit bureaus. I paid the account off in full and Im awaiting for the company to report the information to the credit reporting bureau : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
The debt collection agency IC System states that I owe {$17.00} for medication received on XX/XX/2018. 

I provided proof that I paid it on XX/XX/2018 and I even have the bank statement to prove that the money came out of my account on XX/XX/2018 when I was notified of the amount to be paid. 

The company claims to have investigated the debt, but still refuse to acknowledge that I did pay the debt. Even though the hospitals information app clearly shows that they received a payment from me.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an address I never lived there on my credit report.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple names appear on my credit report.

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