vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: AZ

Complaint narrative:
Equifax has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( XXXX ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. App. LEXIS 509. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
Around XXXX of 2018 I took out a loan for the amount of XXXX with cash net. I successfully paid 2 payments of XXXX each. I did online chat asking to change the amount or a different day and the first time they did the second time they did not and did not care j was struggling. When I filed a complaint with the consumer financial protection bureau they claimed that I never talked to them and that I was avoiding them and that I owe everything that they say I owe and they were not going to work with me at all. I've been struggling to make payments for everything it's now between food on the table or paying a payday loan or paying for my car insurance or my cell phone bill my family is most important to me. I would like to get this taken care of as soon as possible so it doesn't cost me any extra money and it doesn't cost the company any extra money. have not been contacted by them through any type of email or text messaging they may have called but have not left messages and if they have left messages it's a recording and it gets cut off. They currently are saying I owe them XXXX which would have been the amount paid back in full in one payment for the amount borrowed so I do not owe them {$930.00} that is absurd. I should have maybe {$370.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment over 3 months ago using Capital One and that payment was immediately denied. Last week that payment which happened 3 months ago was taken out of my checking account without my permission. When I called Capital One they said it was a system failure that day and the payment I originally made went through. I was told that this happened to many customers on that particular day. When this was denied I made other means of payment. When Capital One took my money out of my checking they gave me no notice and caused my debit card to be declined several times.I disputed this charge but to this day they keep giving me the run around and will not send me the forms to fill out. I called three times without any help. I took screen shots of the message i received from Capital One when the payment was denied. They have since removed that document and have covered up any wrong doing. I would love to post that screen shot here if possible. I also received a text message from Capital One that said payment was not accepted. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My loan was sold by XXXX XXXX to Freedom Mortgage on or about XXXX XX/XX/2019. During that time I made my payment to XXXX XXXX and Freedom Mortgage helped me with setting up my new payments to them. Little did I know that my mortgage would be charged twice that month. Tomorrow will be my 6th phone call to both servicers. 

XXXX sent my first XX/XX/XXXXPayment to Freedom. Freedom sent it back to XXXX. XXXX doesn't know anything about the {$3000.00} mortgage payment that was refunded. The money has not come back to me. 

I have called Freedom Mortgage repeatedly to find this money and each time I have received no valuable response. It was recommended I request escalation to a supervisor. I did this. Nothing happened. I was promised a call back the next day. Two weeks later, no call has materialized. I told them I needed my second payment back to buy food for my household. Nobody cares. They said they second mortgage payment would be back in a week. That was one month ago. 

The png and pdf files I have attached have been provided to both Freedom and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir or Madam, I was solicited by email a XXXX mile bonus miles from XXXX XXXX AAdvantage Program. 
I have attached a scanned pdf copy of the XXXX mile email offer. 

I accepted the offer for XXXX miles and was accepted. My requirement was to make credit card purchases exceeding {$3000.00} in three months which I did. 

On XXXX I paid {$1400.00} On XXXX I paid {$1500.00} On XXXX I was credited - {$7.00} Total purchases {$3000.00} On my XXXX statement, I noticed I did not receive my XXXX miles. 

XXXX at XXXX, I contacted a lady named XXXX. She said it would take 1 to 2 billing cycles for the miles to show. 

XXXX at XXXX, I spoke with XXXX which was unable to resolve the issue and escaladed my issue to a supervisor XXXX at XXXX, I spoke with XXXX who also was not able to resolve the issue and transferred me to a more senior supervisor XXXX at XXXX and spoke with XXXX, and she stated she would escalate the matter higher, and that I would be receiving a telephone call within two or three days. The return call never occurred. 

I clearly was offered XXXX miles, I complied with the offer requirements, and now Citibank N.A is clearly not honoring their offer commitment. 

I have attached the following : 1. Original email offer for XXXX miles 2. My original letter of correspondence to Citibank dated XX/XX/2019 3. The first page of my last three months of Citibank statements proving the amounts paid. 

Please look into this matter and please convince Citibank to honor the XXXX miles promised to me. 

Please dont hesitate to contact me and thank you in advance. 

Very best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2019, my car was totaled in an accident. The insurance company paid the balance of the value of the car around {$7000.00} In XX/XX/2019, I contacted XXXX XXXX XXXX  to file a claim under Gap coverage to pay off the balance of what my insurance would not cover. 

Constantly called Ally Financial the lien holder for several weeks. Recently, I called and asked did XXXX XXXX pay off the remaining balance of the car. They would not give me any information. I informed that I tried to access my Ally Financial account online and it says that my account was closed. I recently learned from my credit report that XXXX XXXX did not pay off the full balance that was covered under the Gap insurance and Ally is billing me about {$2700.00} to pay this debt without letting me know it existed before they put it on my credit report as a balance owed. They never explained to me why or how they derived at this figure. Neither company could explain where this figure comes from and why am I obligated to pay it at {$410.00} a month. I no longer own the car, it was signed over to my insurance company back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
The account XXXX/ XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.

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 2019-05-10 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: MO

Complaint narrative:
The account XXXX/ XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
The account XXXX XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Aargon Agency contacted me regarding unpaid medical bills, which we the result of moving out of country. I promptly resolved the unpaid bills with Aargon ( XX/XX/2018 ), and paid extra fees ( total of {$76.00} ) for Aargon to remove the collection notice from my credit history. 

Instead of expunging this from my record they reported it to the credit agencies in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate Equifax, XXXX, and XXXX  credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I had a car accident where a woman run me over, I used to have a lawyer and he did a deal with the hospital that I had to pay XXXX for the whole bill because the total amount was XXXX. I have the letters from Medicaid that they paid for that and I did paid too. The accident was on XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate XXXX, Transunion, and XXXX credit reporting.

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 2019-05-10 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: MO

Complaint narrative:
My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate XXXX, XXXX, and Experian credit reporting.

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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Regarding complaint # XXXX : 1 ) Wells Fargo removed my ability to make my last online payment. I tried 5 times! 

When I'm prompted to make the last online payment i get a message that says : " you do not have at least 2 eligible accounts to transfer money '' After paying my mortgage for decades, WF removes my ability to make the last payment?

why?

2 ) regarding WF 's interim response that they can not get a hold of me, that's baloney! 
Ms XXXX XXXX called me 3 times to bully me about making extra payments and I disagreed with her

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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I were already working with another major bank on a purchase loan. The loan officer at Bank of America convinced us that he had a better offer. We made the switch to Bank of America. We signed documents on XX/XX/XXXX. 

The loan officer informed me that we would receive a lender credit at closing of about {$1000.00}. This was provided in the original estimate. However at the closing we only received {$200.00}. No explanation was provided. 

On XX/XX/2019, the loan officer emailed me and advised me that I would receive a refund on the appraisal cost. He asked me if I would like to receive the refund on my credit card or closing. I said at closing. However at the closing we did not receive any refund for the appraisal.

Attempts to call and email the loan officer was not successful. We have been trying for 4 weeks to get a hold of him. This is extremely unprofessional.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On thursday or wenesday an unauthorized website tried to charge me XXXX $ an my bank reacbed out to me an declined this payment the next day another website charged me again and this time it went throught.

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 2019-05-10 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: MN

Complaint narrative:
Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.

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 2019-05-10 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: MN

Complaint narrative:
Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.

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 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: CA

Complaint narrative:
After months of back-and-forth with a XXXX XXXX XXXX and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card XXXX XXXX XXXX ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank

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