vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 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: SC

Complaint narrative:
I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, Equifax and XXXX. I was successfully able to remove information from XXXX and XXXX. However, Equifax and the collection agency XXXX XXXX has given me a very hard time. I sent a certified letter to XXXX XXXX asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to Equifax. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by Equifax on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 Equifax has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either Equifax or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians  delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX/XXXX XX/XX/2017 unauthorized EXPERIAN XXXX XXXXXXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX/XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: WI

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY 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 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX  as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: USA Service Finance LLC
State: GA

Complaint narrative:
I checked my credit report months ago and noticed this creditor was on my report. However I have never heard of this creditor nor have I ever done business with them. Theres a number on my report to contact them and upon contacting them I spoke to a lady who told me that I had been a sponsor for this lady who took her grandmother to XXXX or XXXX Im not really sure of the location she claimed Id sponsored but I informed her that I dont know the names she named and she said that if I file a dispute with the bureau shed remove this fraudulent account. I believed her but upon recently checking my report I found she never removed the account and is still reporting it as open and now 9 times delinquent. I then made a second call to them and spoke to a different lady who said I had my sister flew somewhere to attend the funeral of my brother which is a total made up story because I dont have a sister and my brothers are alive and well. This creditor knows this account is fraudulent and refuse to remove it from my report and thats a violation of consumer protection laws in reporting false information to credit bureaus without adequate verification. Im asking that they remove this fraudulent account or the FTC charge them for violating consumer protection laws. Reporting false information to credit reporting agencies.They have no validated evidence of me signing anything in front of a notary or certified letter sent to me validating this debt so they are in violation of the law if they dont remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Short summary : Bank of America 's " AutoPay '' feature is deceptive -- it leads you to think that you're paying the amount due in full when only you're paying the minimum amount due. The rep I talked to agreed with me that the AutoPay feature was deceptive. Then BOA misstated its Regulation Z billing error resolution obligations : when I tried to dispute the fee I was told that only merchandise disputes are errors. 

Longer summary : I set up AutoPay on my Bank of America credit card and I found the options very confusing. Ultimately I chose the wrong one and incurred fees that I shouldn't have incurred. I wanted to choose the AutoPay option that would automatically pay the full amount due on the card every month. Of the options available, the first one was " Amount Due. '' The second option was " Minimum Amount Due. '' Because I knew that I didn't want to pay the minimum, I wanted to pay the full amount on the card, I chose the first option. After incurring a {$28.00} interest fee, I called BOA. A call representative told me that " Amount Due '' was not actually the amount due on the statement, it was in fact the " Minimum Amount Due. '' He said that there was no difference between the two options. When I said that I thought this was deceptive, he agreed. He said that BOA was working through various options which was why they were both listed. He refused to refund me the interest fee and told me that no supervisors were available to speak with me. When I said that I wanted to dispute the interest charge, he told me that a disputed fee was not an error, only a merchandise dispute was an error. Obviously that's not true -- there are lots of billing errors that aren't merchandise disputes. Then I talked with another rep to close my credit card and she also agreed that credit cards have deceptive features and that I should make a complaint so that BOA could fix the problem.

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 2018-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit. 
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I have contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.

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 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2017, this company sent me a letter collecting XXXX. On XX/XX/2017. I requested information about this debt. On XX/XX/2017 they sent me a copy of a lease for an apartment rental at a community by the name of " XXXX XXXX XXXX ''. The balance at move out was at {$340.00}. I had given a deposit of {$600.00}. This means that they were supposed to give me back the difference : {$600.00} - {$340.00} = XXXX. Instead, XXXX XXXX XXXXXXXX added the following fees : {$120.00} Kitchen counter top refinishing. I paid XXXX out of my ocket to do this before I moved out, so they didnt have to do this and don't have an invoice showing they did. They added {$170.00} Master tub refinishing. They don't have an invoice for this. The tub was sparkling clean before I moved. They added {$1200.00} for moving out a month before lease expired. I notified them 90 days prior to moving that I purchased a home. They also added {$390.00} for 34 months left of carpet use, when I also hired a company to clean the carpet two days before moving out. Adding up {$340.00} Balance at move out, why?, plus {$1900.00} additional charges = {$2300.00} minus my XXXX deposit they claim I owe {$1700.00}. So I sent a letter to Ideal Collection Services requesting an investigation of those charges and instead of responding to me, they waited exactly two years to report this account to my credit report. Damaging my impecable credit which was at XXXX credit score to XXXX thanks to their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In reference to the previous complaint ACCOUNT INFO LOAN NUMBER : XXXX CASE NUMBER : XXXX REFERENCE : XXXX Mr. Cooper has now tried to steal the {$130.00} from me that they overpaid to HUD for PMI. 

As noted in my previous complaint, Mr. Cooper overpaid HUD by sending them a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter sent by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said error along with an erroneous payment to my insurance company. 
Fast forward to today, XX/XX/2018, and Mr. Cooper has sent me an escrow analysis claiming that I am short by {$130.00} and that I need to pay the shortage or have my monthly mortgage payment increased to cover the shortage. 

This is obvious fraud, as the shortage is caused by their taking MY money out of escrow and sending it to HUD erroneously. It is not MY responsibility to cover a shortage that they made. I paid my money correctly, they mismanaged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Before I had my medical bills, and prior to purchasing a home, I had asked USAA to raise my credit limit above {$5000.00} ; which they declined ( This was roughly 4-5 years ago ). Now that I have had a few ER visits with very high bills over the past 4-4.5 years USAA has continually raised my credit limit, without my consent, and my debt keeps rising. In the past I have been able to mitigate what I owed on my credit card considerably with bonuses and tax returns ; however, over the last year I have been in the ER multiple times and had various car expenses and now my debt has become out of control. As of this date I currently owe {$8400.00} and have available credit of {$3400.00}, which is absurd for someone in my situation ( I am a single father who pays child support and who owns a home ). I tried to call USAA several different times and the most recent time ( XX/XX/18 ) I was bounced around from department to department whilst trying to reach a representative to work with me on lowering my interest rate and figuring out a payment plan and the ultimately reducing my credit limit and placing a cap on said credit limit so this does not happen again. After a long time on the phone with rude representatives I was told the wouldn't access my account and I would have to call back later ( I have a recording of that conversation ). I submitted a complaint to the XXXX ( # XXXX ) and I was called once by XXXX XXXX XXXX of Member Advocacy from the Office of the CEO within USAA that I missed at XXXX on XX/XX/XXXX and was promptly sent an email stating that said individual was unable to contact me at XXXX. Since that day and time I have made repeated attempts to contact XXXX and left multiple voicemails but haven't been able to speak to her or anyone else of consequence, mean while my interest on purchases keeps going beyound what I am able to pay against my credit card and my debt continues to spiral out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.

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