vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I applied for a refi with Amerisave. My loan officer was XXXX XXXX. 
He said the only fwee I would need to pay in advance was the appraisal. I sent the {$500.00} for the appraisal, filled out the paperwork, and send in bank statements. 
XXXX would not call, email, or text me back. I got tired of this and cancelled the appraisal and loan process with a email to him. I still heard nothig from him for a week. 
I finally reached him by phone after many tries of calling, texting, and email. 
He then stated I would not get my appraisal fee back, and lied and said it was an application fee. He is clearly a liar, and a thief, and it's too bad he represents your company. 
He later admitted it was an appraisal fee because he finally sent an email saying he put in a request to refund the {$500.00}, but I don't believe a word he says after all this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have checked my credit reports ( XXXX, TransUnion and XXXX ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

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 2019-10-17 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: NY

Complaint narrative:
I have checked my credit reports ( XXXX, XXXX and Equifax ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been waiting for unemployment benefits for two mos. I discovered yesterday that the BofA Government card issued went to an address that I have not lived at for over 4 years. ( As a side : I have a personal BofA card with the correct address ). When speaking with the customer service representative she apologized as she could see that my address was not confirmed prior to the card being sent out. She re-processed the card with the correct address and told me it would be 10 days to receive. When I asked if she could expidite the process because I do not have a job and do not have many resources, she said there would be a fee of {$13.00} for this. I asked if that could be waived due to the card being issued without any sort of contact about an address over 4 years old. Her supervisor said no, and offered to speak with me personally. When I asked for consideration due to the error on the bank end, and my situation, I was told no again. 
I had just indicated to the supervisor that my job was eliminated over 8 weeks ago, that I really needed the funds as I had been waiting for so long, and he said that he would be " happy to take the fee out of the funds on the card and expedite ''. Having been in multiple consumer service related positions I was shocked at the non compassionate and goading stance of the supervisor - His name is XXXX. Consumer experience training and lesson in compassion needed at the BofA Government card center. What a horrible experience. Maybe he will kick some puppies on the way home!

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 2019-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I TOOK OUT THIS LOAN IN XXXX, I AM STILL BEING GARNISHED HERE IN XXXX AND I HAVEPAID XXXX OF THE XXXX LOAN ALREADY FROM A PREVIOUS GARNISHMENT. NOW THEY ARE STILL WANTING XXXX MORE THE STATUES OF LIMITATIONS ON THIS GARNISHMENT HAS EXPIRED IT HAS BEEN OVER 7 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of Huntington Bank that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX  asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of Huntington Bank ( also attached ).  In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2019 someone from Barclays Bank Delaware tried to pull my credit report and did a hard inquiry according to XXXX 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 2019-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have got a hold of Capital One and made a payment for closed account that said it's still opened on my credit report and wanted to keep that credit card and build my credit back up. 

Then there is a utility bill that I have been unable to get off my credit report that doesn't belong to me. All I'm wanting to do it get my credit report back in good condition. 

I would greatly appreciate your help with those matters. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One Credit Card Account Number : XXXX Is Not Showing On My Credit Report XXXX XXXX and XXXX My Account are Not Being Reported To The Credit Bureau and is not showing on My Report I Been Making My Payment On Time and I Have The Account Open with them For 2 Months And Is Not Showing On My Credit Report Please Help me Investigate and Resolved This Problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: IN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from B of A proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I fell behind on payments in XX/XX/XXXX. I spoke with rep and was told I need to make 3 consecutive payments to qualify for an extension. I struggled to make 3, the 3rd payment was late so I had to start over in XX/XX/XXXX. XX/XX/XXXXI spoke with rep and made arrang8to pay by XX/XX/XXXX. I made the payments as scheduled. The XX/XX/XXXX rep said as long as I paid under 120 days I would not have a charge off. For my 3rd payment arrangement I spoke to rep and gave a promise to pay 3rd payment between XX/XX/XXXX. I called XX/XX/XXXX to make 3rd payment with the rep with a new checking but the rep said the system was down. I waited 20 min and I was transferred to XXXX XXXX. She also said computer issues and asked me hold. I was on lunch break so I said I would call back. I Confirmed I was still in the window to qualify she said yes. I called back XX/XX/XXXX was told charge off. I requested investigation of recorded calls. It had been 2 weeks no answer. I spoke to XXXX manager, XX/XX/XXXX to learn they were having tech issues for recordings and there was delay. XX/XX/XXXX I received email stating the charge off was correct. The rep did not tell me XX/XX/XXXX would have been too late. Their system issue prevented processing of on time payment.

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 2019-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. 

The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). 

See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and  hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I already paid my balance in full from my checking account on XX/XX/2019 and a provisional credit has been applied to my credit card but they stated they will not send funds back to my checking for up to 90 days which is too long in my opinion.

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 2019-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: IN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

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 2019-10-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

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 2019-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I purchased gift cards. google play cards and google will not redeem them. they were purchased on XX/XX/19 and XX/XX/19. google asked for more information and then did nothing. i have call, emailed and chatted with they hundreds of times and i get no help. i have invested hundreds of hours and thousands of dollars into my google account and now that is all wasted because they put in a new system to prevent scammers. i gave them all the proof they asked for to resolve the situation and nothing has been done. the only scamming i have witnessed has been done by google.

Company response to consumer: Closed with explanation