vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2019 I receive Ofer from credit card company Wyndham rewards visa for 0 % Apr for 12 months I applied and got Approved I call them to do balance transfer from from my wife credit cards discover of the amount of {$2900.00} After 1 month I got the Statement from XXXX card and I sew that the balance Didnt go through so I called Wyndham rewards and start to get a lot of lies from them its all ready Past 7 months and they didnt respond back to me in the mean time I paid both credit cards for Wyndham ( yes they charge me {$2900.00} ) and the XXXX card that I paid high interest rates ( 24 % ) in the last 7 months I called the company every week and still didnt get respond they just give me different case number the last one I got was XXXX XXXX Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I informed this company I was represented by a lawyer, in XX/XX/XXXX. I requested they contact them directly. 

They continue to call and bother myself and my mother after multiple request to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: SC

Complaint narrative:
Debt was stated due {$150.00} but recieved phone call before from company saying that the debt was taken care of because I was an employee at the time. Please have this removed from my credit report. It is stated that this comes from XX/XX/2018 I dont know why I would be charged anything for services that were stated paid for.

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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am still and approximately 1-2 times per week receiving phone calls from Holloway Credit Solutions in XXXX, AL. These phone calls are in regards to my ex-wife. I have no idea what debt she owes as they will not tell me and I do not care. I have been XXXX from her since XX/XX/XXXX. 15 years. She is XXXX. I have told representatives of their company to stop contacting me and provided the last information that I knew. I received a phone call today and one last week and I would say 5-10 since I last told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX XXXX, Targeted Employment Area Designations Among Reforms WASHINGTONU.S. Citizenship and Immigration Services ( USCIS ) will publish a final rule on XX/XX/XXXX that makes a number of significant changes to its EB-5 Immigrant Investor Program, marking the first significant revision of the programs regulations since 1993. The final rule will become effective on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I saw a credit report that had LVNV Funding on my file. I wrote LVNV FUNDING and asked them to validate this debt. They didn't answer me. But they continue to report it on my credit file and they continue to add more money to the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Last year, I requested a security freeze through the three credit agencies ( someone fraudulently tried to file my federal tax return ). While putting in an offer for a home, I contacted all three to temporarily lift the freeze so that we could get preapproved, Experian was fraught with issues. After providing all info accurately online, I received an error that I'd need to mail in my request ( 7-10 business days ). Their website didn't offer a phone number but I tracked one down, an entirely IVR based system, no humans, and again, the process couldn't be completed and I'd need to mail in the request. Unlike the other two agencies, they don't offer a single way to connect with a human ( I looked hard, there isn't one ). And, with their automated systems not functioning correctly, we might lose out on this house because there's no way to unfreeze my account in a timely manner.

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 2019-07-23 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: Williams, Rush & Associates, LLC
State: AZ

Complaint narrative:
On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called Williams Rush and Asso llc had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to williams rush and asso.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called XXXX XXXX aXXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days XXXX had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came Experian and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXXto both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Property Manager at XXXX XXXX XXXX is trying to collect a dibt for months in which we did not reside at the address. They have sent {$2200.00} to National Credit Systems after we already went to town court. The judge already ordered no money owed to the property and we were not obligated to pay further rent. They kept the security deposit anyways, and continue to try to collect. We were already ovetpaid and at a loss resulting the issues at that property. I don't owe them any rent at all and there was no damages to the unit. It is XXXX properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$640.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened :XX/XX/XXXX Balance {$1000.00} Account Name : DIVERSIFIED CONSULTANTS Account Number :XXXX Date Opened :XXXX Balance {$2900.00} Account Name : XXXX/XXXX Account Number :XXXX Date Opened :XX/XX/XXXX Balance {$13000.00} Account Name : XXXX/XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I recently sent an investigation/dispute letter on XXXX XXXX, XXXX to Mindland Funding which was delivered on XX/XX/XXXX, XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i Midland Funding had 30 days from the date they receive  my dispute letter XXXX XXXX ) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still haven't received a validation of this debt which nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX stating stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stated that I did my own investigation and that XXXX XXXX informed me the debt was sold for less then what is being collected for, with a charge off date of XX/XX/XXXX, and the account was opening on XX/XX/XXXX. This is not what my credit report is showing and according to the Fair Credit Reporting Act and The Fair Debt Collection Practice Act these account are to be deleted due to the lack of accurate information reported and not providing validation of the debt in the time frame allowed by FCRA. 

I received a letter form Midland Credit Management dates XX/XX/XXXX 4 months after the original investigation letter was sent out stating that their records are reporting correct and another letter stating I was pre-approved for a discount program to save me money. There was no validation sent to prove the debt its real or if the amount is correct. ANOTHER VIOLATION OF MY RIGHTS because I specifically request validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: UPGRADE, INC.
State: NC

Complaint narrative:
I pulled my XXXX credit reports and found Upgrade had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However XXXX  shows the inquiry as a hard pull so I ma filing a dispute against Upgrade and XXXX to get the inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard. 
Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone. 

There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX   or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory. 

Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand. 

I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them. 

I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law. 

I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have. 
I sent the letter to their mailing address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I pulled my TransUnion credit reports and found XXXX  had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However TransUnion shows the inquiry as a hard pull so I ma filing a dispute against XXXX  and TransUnion to get the inquiry removed immediately.

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 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I originated this loan in XX/XX/XXXX as my primary residence. Since then, I have repeatedly told Dovenmuehle that my mailing address should be the same as my property address. I purchased this home as my primary residence and sold the other home I was living in during XX/XX/XXXX. As you can imagine, that means I moved out of my old house and into my new house, which is the subject property. 
I have no connection to the home I sold but the company has consistently refused to updated my mailing address. Each time I call in, they tell me that it's their policy that they must receive a signed request from both borrowers to update the mailing address. I have explained to them each time that I will not be doing so, this is not an update but a correction. There has been no change in my mailing address since I originated this loan. It's their responsibility to correct the error that they made when they set up my loan with the wrong mailing address. They just keep quoting policy and will not see reason. 

I spoke to a representative named XXXX today XX/XX/XXXX and a supervisor who told me they were unwilling and unable to help me. I explained that I would be submitting a complaint if they did not try to help me, and they still had the same unhelpful and uninterested attitude about the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
My vehicle was financed with Consumer Portfolio Services XX/XX/2016. Most of the time I'm in their collection calls even after I think that I am current on my account. I mention about 1 year ago to a CPS representative that after looking at my payment history several payments were applied incorrectly and most ( about 85 % ) of the payment is going toward the interest. I was told that my account would be adjusted and now 1 year later I have just pulled my account payment history and noticed AGAIN how they are still applying payment to the interest and none of the payment is going toward principal and therefore will I never be in a position to pay of the vehicle. Since XX/XX/2016 I have paid about {$8600.00} toward an {$11.00}, XXXX auto loan and only {$1300.00} has been applied toward me owning this vehicle. 

I feel that this company is running a financial scam for individuals with damaged credit history. I feel they are intentionally improperly applying payments to my account. I am just like the other customers of this company that is having a hard time with them reviewing and adjusting the account payments correctly.

Company response to consumer: Closed with explanation