vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX, formerly XXXX XXXX XXXX, has my loan. I asked, back in XXXX ( well, to be honest, I had previously asked the former owner/servicer of the loan, Guaranteed Rate, before XXXX, but XXXX XXXX XXXX got my loan after that, so I had to start all over ) to do a loan assumption. They sent me the list of things they needed, and I immediately sent the documents to them, along with a {$400.00} loan assumption fee. They got the paperwork and fee back from me in XXXX. Now, 3 months later, they still have not completed the loan assumption. In fact, they will not even tell me that they are starting the loan assumption. See, the problem is that I can not get them to talk to me at all. I have been given a " single point of contact '', but she almost never answers her phone, she never returns me calls ( I leave her lots of voicemails ), she never replies to my emails. Even her manager is now in on the act. He won't reply to me anymore, nor is he apparently having her reply to me. They are obviously purposefully stalling me and stonewalling me. They can not possibly be this inept. It has to be on purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.To Whom It May Concern, The reason for my dispute isXXXX 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 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, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) 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 # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 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 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a notice that I am being sued for debt collection by Portfolio Recovery Associates, LLC on a closed/and or charged off amount on a XXXX XXXX  ( XXXX ) credit card and must respond/appear in court in 19 days. I have been XXXX by a judge and only receive XXXX benefits and can not drive to appear in court, Account opened in XX/XX/2010, state of Texas, amount {$1600.00}. Any advice on this matter is appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Hello, I called awhile back and someone put in a case number for me. Case number # XXXX. On XX/XX/2019 I mailed you all the communication documents that I have sent to USAA FEDERAL SAVINGS BANK and XXXX XXXX. I listed the case number on the envelope. Please review my documents and provide me with assistance in this matter. I sent them a proof of claim contract which both USAA and XXXX did not respond that has a Arbitration clause. Do you provide Arbitration?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CA

Complaint narrative:
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CA

Complaint narrative:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY 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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, my bank sent an official check to payoff my entire credit card balance. The check was mailed attached to my credit card statement. On XX/XX/XXXX, I noticed the payment still had not posted. I discovered from my bank that Citi Cards had received the check and credit card statement as the official check was negotiated by Citi Cards on XX/XX/XXXX. I  called Citi Cards and filed an investigation for the missing payment on XX/XX/XXXX. They communicated to me that a conditional credit would be applied within 2-3 business days while its being investigated. On XX/XX/XXXX, I contacted Citi again as my payment nor the conditional credit had been applied to my account. After 30 minutes was finally connected with a supervisor named XXXX XXXX. He told me that even though my credit card statement was with the check, if the check didn't have the account number on it, they wouldn't know where to place the payment. Further, I would have the conditional credit the next day as it takes 2-3 business days, that he located the lost check/payment and that it had been deposited into Citi Cards general account, and he would call me the next day to update me if the payment had been posted. XXXX called me on XX/XX/XXXX, and informed me that the payment still had not been posted, that the conditional credit had also not been posted as they're delayed. Further that I needed to make the minimum payment due to avoid late charge. I refused to make the minimum payment, because I provided them an entire payoff that they're refusing to process, nor were they able to process the conditional credit as promised while its being reviewed. I asked if I could speak with someone on the payment processing team, or if he could reach out to someone to get the payment processed and he said no, they have no way to contact them, and that my payment may not post until Tuesday, XX/XX/XXXX and reluctantly agreed to call me back on that date to confirm. As of XX/XX/XXXX Citi Cards still have not processed my credit card payoff and they have had the funds deposited into their internal fund management account since 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 2019-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
I was in a panic over not being able to pay my bills, because my son, who was living with me lost his job a few months earlier and I alone was not able to pay my bills. I was short each month by the {$1000.00} my son had been paying me. I had a low credit score and already had 2 personal loans and some credit card debt. I was desperate and took out a XXXX XXXX XXXX XXXX XXXX loan for {$1000.00} in XX/XX/2018. They deducted the 1st payment on XXXX for XXXX, ( {$380.00} of that was INTEREST ) after that I would have {$480.00} taken out for the next seven months. I was able to negotiate with them to deffer my XXXX payment to the end of the loan, which helped some. 
When I finally came to my senses, I realized that over the term of the loan which was 8 months I would be paying them {$3700.00} for a loan for {$1000.00}. Can they legally charge that much interest?

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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My issues with USAA started on XX/XX/18 when I initiated a fraud claim. After supplying overwhelming documentation, USAA saw fit to deny my claim, putting me out of a significant amount of money. To further compound issues, my XXXX token is being held hostage by USAA. My accounts were placed in a deposit only status that is preventing me from unregistering my phone number so that I can use XXXX with another financial institution. USAAs response was, just use your email address. I dont consider that helping the client, thats just poor customer service at its finest. 

Moreover, my account was debited the full of amount of the fraudulent actively putting me out a significant sum of money. USAA took ONE business day to conclude their investigation. USAAs sole reason for denying the claim is due to alleged activity on the USAA mobile app while the reported fraud was occurring. They refuse to provide proof of this allegation. I can say, without a doubt, that my USAA app was not used during this time. I would have blocked my card and reported it sooner. 

I, admittedly, make use of the USAA widget on my XXXX. This widget provides up-to-date balance information at a glance. It doesnt take a computer scientist to know that some BACKGROUND processes are running in order for it to accurately provide this information. USAA was unwilling to tell me if this widget utilizes the quick login function to provide balance information, which again, is why they denied my claim. 

To add further insult to injury, the analyst assigned to my case was downright awful. I was verbally accosted and interrogated about transactions not germane to the issue at hand. His line of question was not only inappropriate, but phrased in a way that creates confusion. It was then USAA determined I changed my story. I did not. 

Its not all bad, though. I did have the opportunity to speak with people who genuinely cared. In conclusion, USAA does NOT protect the cooperative and denies claims based on baseless information. 

I challenge USAA to check my login activity as of todays date ( XX/XX/XXXX ) for the past 7 days. Does it show that I accessed the USAA mobile app? I am attaching my Screen Time activity to show that I have NOT used the USAA mobile app in the past 7 days - since this incident, honestly. Since this seems to be why my claim was denied, youll see how flawed that methodology is in which case I feel I a due a credit and an apology. 

Once a happy, longtime USAA member, I urge anyone reading to reconsider doing business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: OR

Complaint narrative:
I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CA

Complaint narrative:
I filed bankruptcy in XX/XX/2016. I've worked hard paying everything on time since then. XXXX   and XXXX are reporting my credit accurately with scores over 715. Experian had me at XXXX. I've disputed this with experian and they only removed 1 thing from my report. My score is still too low to get any credit or even get on a lease for am apartment. I know they use different metrics but a 200 point difference isn't right. Experian needs to address this fairly. All my negative marks should be removed. That's what bankruptcy does

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 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX. 
Employment should be : XXXX. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Information. Research XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX 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 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion this is a request as to why my credit score went down when I made a payment to decrease the total, please explain to myself and the CFPB. is this because Im in dispute with you, please respond in a certified testimony for I may file a court case against you for Subterfuge of this report CFPB this is a way to manipulate consumer credit and financing, I can not see a clear reason for lowering a score when paying down an account, CFPB please investigate this 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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Today ( XXXX ) I was trying to open an account with XXXX. Howerver, I was unable to open an account because the information I provided to XXXX and TransUnion did not match. 

I was informed by XXXX XXXX account that TransUnion provides free credit report and that I should look at the credit report and make changes as required. 

I try to get a credit report, but it turns out I will be charged XXXX per month. I was however not aware of this while providing my details as this information was hidden under a star. I provided my credit card information, thinking that this was part of the identity verification process. As soon as an account was created, XXXX was charged to my credit card. 

I immediately called them and asked me to cancel their service and issue me a refund. They canceled my service but REFUSED to provide me a refund.

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