vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 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: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
My current mortgage holder Nationstar d.b.a. Mr. Cooper posted a late payment over 30 days to my credit report for XX/XX/XXXX. I spoke with an account supervisor from Nationstar d.b.a. Mr. Cooper named XXXX and she assured me that while my XX/XX/XXXX payment did post as late, it was not over 30 days late and should not have been posted to my credit report. This is the second time that this company has posted false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX, XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing now in wish to receive your help. Presently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX   and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: IL

Complaint narrative:
An XXXX XXXX account appeared on my credit this account was opened frauduantly and I sued the car dealer and XXXX XXXX and was found not liable. Illinois attorney general office was involved law enforcement and the court system for consumer fraud trans union and XXXX  all removed this item because its not mine it was obtained fraudulently. But for some reason Experian doesn't understand the meaning OF FRAUD. I have reached out to XXXX XXXX but they cant help me because they cant verify information on account and as part of my settlement they cant even talk to 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 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Today XX/XX/XXXX I received a message about an " Important Business Matter '' from the XXXX XXXX XXXX. Because i was at work at the time and headed to a meeting me intention was to contact them after my meeting was over. before i could, XXXX XXXX ( XXXX ) sent me an email to my job asking me to contact him about an important business matter and that he contacted my payroll department and they were nice enough to provide my company email address. He also quotes a XXXX in payroll gave him the information to contact me. I replied to his email asking him to not contact me at my place of employment and that i would contact him after i was out of meetings of that he could contact me via my personal email or via my home address since i was unaware of what this was pertaining to and have never received information regarding this " business matter '' previous to his call. He then replied to my email 2 times after stating that he could not contact me via my personal email to discuss this and that he would be contacting my payroll department again to have assistance with this information regarding me. He then sent an additional email apologizing for contacting yet again. to which i replied i would be forwarding this information to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: TN

Complaint narrative:
Certified Mailed dispute letters disputing accounts with Transunion 3 different times.They are verifying the accounts are accurate. I called them and asked how they were verifying and they told me the creditors verified by my name and a address. I then asked are they not to verify all things they report on my credit report as accurate and that it is mine by validating proof such as an original signed contract with original creditors according to THE FCRA Section 609 ( a ) ( 1 ) ( A ). She said that is true. I then asked then why aren't you all doing that. She stated that Transunion does not have to verify anything and that I needed to contact the creditors. I told her that I was writing this down and asked if Transunion validated my debt with the creditors by seeing if the creditors had an original signed contract with my signature on it. She said no they did not. I reminded her of the FCRA section 609 and section 611 and asked if they were going to continue to ignore it by violating the federal law. She chose to not comment. I have attempted to solve these problems with Transunion 3 different times to no avail. I only wanted to know if they are accurately validating this debt and that it is accurate and mine, which is the federal law.If they can not verify this information, they are to promptly delete ( FCRA Section 611 ( 5 ) ( A ) ). I am a litigious consumer and fully intend on pursuing litigation. I know the remedies available to me ( FCRA section 616 & 617 ) for failure to comply with the federal law.

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 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After checking my Credit report on today 's date of XX/XX/XXXX, I discovered my score had dropped by 1 point after a hard inquiry from COAF in XXXX TX XXXX on XX/XX/XXXX. I do not recall this company and it is just now showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: AL

Complaint narrative:
Received multiple calls personally and left no messages. They have also called one of my relatives repeatedly. My relative finally answered and they stated they were trying to locate my where abouts. He called me and gave the name of FMR and their phone number. When I called back and spoke to someone he spoke very fast and told me this was an attempt to collect a debt. And asked me if my last 4 of my social and then stated 4 digits. When I told him I refused to verify that info since I was no familiar with the the company he said well it's just the last 4 and then I said will not give verify that info he told me he wouldn't be providing me with any info and to call back if I wanted it and then disconnected the call. He would not attempt to verify anything else and would not explain to me why he needed just that federal law requires him to get that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Opened an American Express Delta SkyMiles card on XX/XX/XXXX. Used the card for purchases large and small with charges totaling {$3000.00} in the first three months of having the card. The award offer on opening was : no annual fee for one year, XXXX   Delta SkyMiles when you spend {$2000.00} in the first three months of opening the card and an additional XXXX SkyMiles when spending an additional {$1000.00} within the first 6 months.

I inquired to American Express onXX/XX/XXXXasking when the miles would be credited to my account. They said they could see that I met the spending requirement in XX/XX/XXXX and that I would receive the reward miles in 8-12 weeks.

I inquired again with American Express on XX/XX/XXXX where they told me the same thing, only that the award miles should be credited 6-8 weeks after meeting the spend requirement. They " opened an investigation ''.

I inquired again with American Express on XX/XX/XXXX and was told that the investigation was opened with the wrong department so it was closed. They said they would open a new investigation and that it would take 6-8 weeks before they could give me an answer as to what was going on and would send a letter in the mail.

I then called in and got no further. I contacted again today XX/XX/XXXXto see if the investigation was moving towards a resolution and was told to wait 6-8 weeks. My chat was escalated to a supervisor who just kept pleading to give more time as they had a large amount of awards and applications and they aren't able to get to them as fast as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had an agreement with Chase to settle a collection for {$1000.00} and I paid the agreed amount and they said that I did not pay the amount, I have lost a chance to buy a house for my daughter and I because of this illegal activity. Please see attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: National Asset Advisors, LLC
State: NY

Complaint narrative:
I sent the following email to National Asset, but I continue to receive calls from them on my cell phone during the day, while I am at a work. I have asked to please contact me by email or after XXXX XXXX by phone, but they have ignored my request. I just received another call to my cell phone at XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX <XXXX> To : XXXX   <XXXX> ; XXXX   <XXXX> Cc : XXXX  <XXXX> Sent : Tue, XX/XX/2018 XXXX XXXX  Subject : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Re : LOAN NUMBER : XXXX - XXXX & XXXX XXXX  Property Address : XXXX XXXX XXXX , XXXX, NY XXXX Dear XXXX and XXXX , Please place a note on our account, in regards to the above loan number. to please contact us by Email only at XXXX.

We greatly appreciate it. We can not receive personal calls at work and we do not get home from work until after XXXX XXXX.

Please let us know if you have any questions.

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: DISCOVER BANK
State: OK

Complaint narrative:
OnXX/XX/XXXX I electronically paid my Discover card in full, {$5900.00} as I always do every month.. On XX/XX/XXXX I had a purchase declined and then again onXX/XX/XXXX. On XX/XX/XXXX, I contacted Discover card to find out why. They told me they had never received my payment.I verified with my bank that it had been paid, received by Discover card and processed. When I told Discover they said again they had not received payment. After much time and frustration on hold, Discover card said they had applied my payment to another old Discover card of mine which THEY had closed over a year ago because of what they said they needed because of possible breach and potential fraud. When I asked them to transfer the payment to my current card, they said they could not do that. They told me they needed to send me a check which would take abut 5-7 days. In the mean time they said I needed to pay the credit card bill and they WOULD TRY, to take care of any interest or penalty when they received my new payment. Really? The main thing that upsets me about this is they never send me a late notice or anything, they just put a hold on my account which is very embarrassing as a business owner when I am trying to pay for services. I have outstanding payment history with Dicover card as well as all other account I have. I have excellent credit, XXXX credit score last time I looked. When I told them that I wanted all this noted on my account and any negative credit to be addressed. All they told me about the incident is, MISTAKES HAPPEN. Would they accept this answer from me. I think not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing presently in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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 2018-03-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
I order a new XXXX XXXX XXXX  card over the phone. and was not given a tracking numbers. so I may track and locate my new XXXX XXXX XXXX card. I asked twice to different times over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: CA

Complaint narrative:
I finished repaying my student loans in XX/XX/XXXX and my account with Great Lakes student loan provider was closed. I received a communication from them congratulating me that my loans were repaid, and I downloaded my full payment history for my records. The payment history showed {$0.00} unpaid principle balance.

In XX/XX/XXXX I logged into my online account to print out my XX/XX/XXXX tax statement. When I logged in I saw a balance of {$30.00} in unpaid principal, and {$1.00} of unpaid interest, for a total of {$31.00}.

I promptly contacted Great Lakes. The first person I talked to was unable to explain the charges. Finally, I got through to an account manager, and when my questions persisted she told me that Great Lakes was being audited by the FSA, and that they had failed to apply an interest cap adjustment to my account at the time. They could not explain how or why they were able to reopen my account and apply these charges without notifying me. Had I not logged into get my tax statement I would not have known about these charges. Eventually, they sent me a generic statement on XX/XX/XXXX that reflected the new charge, however, I have been informed several times that this may not be the accurate amount.

I have been in contact with them twice since then. On all occasions they have told me that the amount has not " settled '' yet, and that the {$31.00} might not even be the correct amount. I requested a letter detailing the charges, and explaining how and when the interest cap adjustment was applied so I could provide it to my attorney. When they finally provided the letter, it did not include any of the information I requested.

I have been unable to resolve this issue with Great Lakes. My issues are : 1. How they were able to re-open my account and apply charges without notifying me.

2. That they made a mistake that was caught by the FSA during an audit, and that they are attempting to pass that fee along to a former customer, even after the affected account was closed.

3. That they have not been able to provide relevant or accurate information in a timely manner - or even let me know when the charge will be finalized or when I can expect a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
JC Penny has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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