vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: SD

Complaint narrative:
I got car insurance for 1 month, it cost me XXXX , I canceled the very next month because of how expensive it was I went with a different company. The company XXXX XXXX XXXX XXXX, in XXXX, sd, sent me to a collection agency saying I owe them XXXX $ -- -Lamont , Hanley , & Associates , Inc. XXXX XXXX XXXX XXXX, NH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A debt consolidation check for the amount of XXXX was sent out XX/XX/XXXX to  Capitol One Bank in NC on my behalf from a third party XXXX XXXX XXXX. After a month of waiting there were reflection of the check applied to my account so XXXX XXXX XXXX canceled that check and sent another one for the same amount of XXXX on XX/XX/XXXX with a Tracking number. The tracking number shows that the check was delivered to the XXXX XXXX XX/XX/XXXX. Today XX/XX/XXXX, a representative from XXXX XXXX XXXX and I spoke with Capitol One representatives XXXX and Senior financial officer XXXX and out the situation. It was said that the checks are shredded which means that they are shredding checks without confirmation it was applied to the account. Since then interest has been accruing on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account at XXXX and made a purchase for {$61.00}. I intended to pay but the cashier told me that it was better to add it to my new credit card, so I did. I waited for my card to arrive at home but it never did. I tried making a payment in person at a XXXX store but they wouldnt accept cash. I asked them for information regarding my account and explained to the sales person that I had not received my credit card on the mail but no help was provided. I tried opening the XXXX app but I needed my account info and I did not have it with me. This was my first time trying to open an account to start working on my credit but it turned out a nightmare instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This is my third attempt to have them remove the inaccurate information listed with the credit bureaus. I am still disputing this based on the law they used a stall tactic the first time and failed to meet the 30 day requirement to send me physical verification. A violation. That was grounds for them to remove info. I asked for info on how/why they are charging 12 % and reminded them they didn't send verification the first time. They answered again. The contract they sent showed clearly that 10 % is the correct amount. They have failed to follow the law. They failed the original request to validate within 30 days, They have the wrong amount showing, which is a violation and grounds to remove it. How is this possible under FDCPA. 

The FCRA requires you to verify the validity within 30 days. You didn't you are obligated by law to remove your inaccurate derogotory information. You also stated you are charging me 12 % wrong interest rate another reason you are obligated to remove it. You leave me no choice but to sue you for actual damages and declaratory relief under the FCRA. This regulation states I may sue you in a qualified state or federal court including small claims court in my area. I look for a swift and amicable resolution. 

They are falsely stating they are following the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and Current Address As of XX/XX/XXXX, I see online my credit file My current address is still incorrect on www.MyEquifax.com CORRECTION : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, MI XXXX - XXXX I was currently rejected credit by a creditor and was told my information I provided did not passed the identity verification per Equifax and it did not pass the current address. Under the Equal Credit Opportunity Act ( ECOA ), I have a Legal right to know why I was rejected credit. 
( 1 ) Tell me ( the consumer ), why I can not currently get a credit card at a bank, any more. 
My last Charge Card was XX/XX/XXXX XXXX XXXX/XXXX  Balance {$76.00} as of XX/XX/XXXX ( 2 ) why, Equifaxs system keeps reading no current address. 

As of XXXX, my issue is, why Equifax is unable to locate a credit file in their database with my identification information I provided. I am currently electronically paying all the creditors list on the Equifax credit file that was sent to me XX/XX/XXXX. I am on a fixed income and I have spent approx. {$20.00} +/- via mailing & certified letters mailing my card + Current Light Bill to Equifax. All copies are originally from the sender and the copies are clear copies by each entity. After talking to an Equifax representative on XXXX, she looked up the copies I sent to Equifax in XX/XX/XXXX and XX/XX/XXXX and she said both my Social Security card and utility bill were received and are clear. If I was unable to verify my identity and current address, why did Equifax send me a credit file dated XX/XX/XXXX _ AFTER I called Equifax on XXXX and passed the phone identity verification and current address. 
Filename : Letter XXXX Box Equifax SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX - Confirmation # XXXX : Already sent 2. SSN Card Already Sent 3. CURRENT : Light Bill 4. XXXX XXXX XXXX Phone log XXXX 5.  Equifax letter dated XX/XX/XXXX XXXX XXXX XXXX + XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
This charge popped up on my credit report and I have no knowledge of this debt. There is no documentation or rationale for this debt from an old apartment - landlord ended lease and I moved out the same month. This must be removed ASAP from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My wife and I have tried to refinance our current mortgage with Roundpoint Mortgage. We have now hit the 4 month mark and they still have not finalized the refinance. I have talked to multiple people and just receive double talk and a promise of a returned call or email but never receive one. We have been prompt in providing Roundpoint with information they request from us but they take weeks at a time before moving on to the next step. I continue to call and ask what is going on but never receive a response.

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 2019-11-20 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: IN

Complaint narrative:
I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called experian to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also XXXX XXXX put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the 600. 

Thank you so much for your 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 2019-11-20 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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Since XX/XX/2019. My Mortgage was transferred from Seterus Inc. to Nationstar/Mr. Cooper. My Credit score have been declining ever since without proper notification or reason. Recently as today, XX/XX/2019. My credit score went down by 69 points. When I read the reason for credit score declining through XXXX credit monitoring monitoring service, the reason states credit limit decreases from {$130000.00} to {$120000.00} reported by NationsStar/Mr. Cooper. The amount reflects the amount mortgage going down. I would think that my credit score should go up since I am paying off my mortgage and this is not a credit card with credit limit. This is more absurd than anything since and I am not sure when we started to treating mortgage as credit limit instead Mortgage installments payments. So, I then looked recent homes sold within 5 miles radius through XXXX and other agencies real estate websites for homes like my own size or smaller. I discover most sold for over {$200.00}, XXXX and few around {$170.00} to $ XXXX. This made me more confused to why I am being penalized for always paying my bills on time and my credit is getting lower the more pay down my mortgage. I contacted Mr. Cooper/NationStar bank and they did not give any reasonable explanation to why this is happening, but my XX/XX/XXXX credit monitoring service clearly pointing the problem as Mr. Cooper/NationStar bank credit reporting. 

My Mortgage address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage bank is : NationStar/Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been receiving numerous phone calls from XXXX XXXX XXXX XXXX claiming to be the Litigation department for Capital One for a debt back to 2013 that is unpaid, threatening to garnish my wages, take me to court for an old debit I stopped paying to Capital One. Why isn't this on my credit report? They were trying to collect {$710.00}. What should I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
Equifax has the wrong info. On me and if they are saying that I have a mortgage loan and I have never tooken out one in my name and also retail credit card account and that is also not true so Equifax won't give me a free credit report from so that I can see what's happening with my credit accounts and I am also a victim of their recent data breach so I'm a victim of possible indenty thieft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My CITI credit card company has not refunded the following fraudulent transactions totaling {$130.00} which occurred while I was out of country on vacation. I notified them prior to the travel vide travel notice reference # XXXX dated XX/XX/XXXX. 

XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$57.00} XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$75.00} The last 4 digits of the credit card account number are XXXX. 
Here 's what I did so far : 1. Mailed written request for dispute via USPS certified mail dated XX/XX/XXXX. 
2. Called the customer service in XXXX to follow-up on my case and was informed that nobody has looked into my case yet. 
3. Called the customer service for a 2nd time in XXXX and after 2 hours on the phone a representative said they would look into it and did not provide a time line for resolution. 

It has been 3 months since I initiated the dispute.

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 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2019, I was alerted that there was a new account added to my credit report and my credit score had dropped. I have never received any notification from this debt collector, nor have I ever been to the medical facility that says I owe {$240.00}. On XX/XX/2019 I sent a certified letter to Account Resolution Services asking for proof that I owe this debt.

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 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit Control - XXXX Continental Credit Control called me on the following days : XXXX at XXXX XXXXXXXX I phoned them back at XXXX XXXX and left a message to not call me again, but to mail communication to me so I may research to see if in fact any debt is owed. 

They proceeded to call me again on the following days and times : XXXX - XXXX XXXX., XXXX XXXX., XXXX XXXX XXXX. and XXXX - XXXX XXXX. 

On XXXX I answered the phone and the person wanted me to identify myself before they identified themselves. I asked who they were and when I wouldn't allow them to control the direction of the conversation, they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/2019 date opened amount of {$1000.00} XXXX XXXX XXXX XXXX Account XXXX XX/XX/2019 date opened amount of {$2200.00} XXXX XXXX XXXX account number XXXX XX/XX/2019 date opened amount of {$810.00} XXXX XXXX XXXX account number XX/XX/2019 date opened amount of {$420.00} XXXX  XXXX XXXX account number XXXX XXXX XXXX date opened there are 2 balances one for {$590.00} and {$590.00} I never had a contract with the these companies. I do not owe these companies. Does the existing companies have a contract with my signature on it. There is no signature or proof that I owe those companies. These companies have the wrong person

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 2019-11-21 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: Convergent Resources, Inc.
State: MS

Complaint narrative:
Convergent XXXX XXXX refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i had link my checking acct:XXXX  with XXXX  XXXX  acct :XXXX  on XX/XX/19 and by XX/XX/19 transfer {$2500.00} to XXXX XXXX  acct. it came back to santander account on XX/XX/19 and despite i called and spoke to mrs. XXXX to cancel transfer it was " allegedly '' sent back to XXXX  XXXX  but XXXX never got it. we spent hours on a phone with both banks and hours in both branches and today found out XXXX  XXXX  never got it and it held by santander bank somewhere no one knows where.i am XXXX  person and it is my pension.Please find it and let me take my money asap.i need money for food and medical expenses and because of santander bank i am unable receive my pension.XXXX  XXXX  manager XXXX XXXX today, after we went twice there and sat for 4 hours in the branch show us money never came to XXXX.Wednesday,XX/XX/19 i called to santander bank XXXX and spent 2 hours then was hang up by the supervisor Mrs.Bruno and all i insisted on was to open up a dispute of unauthorized transfer, was refused 5 times, transferred 5 times but finally when they agreed to file dispute i was hang up on

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 2019-11-20 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: IN

Complaint narrative:
I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called XXXX  to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also Trans Union put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the XXXX. 

Thank you so much for your 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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Convergent Outsourcing is reporting a debt and now reporting paid in full that I did not owe them. I had no contract with them and no obligation to pay them. I owed XXXX and paid the debt owed of {$450.00} on XX/XX/2019 to XXXX directly. I have attempted on several occasions to get Convergent to not report and all have been failed attempts. I would like for their reporting on XXXX and XXXX  to be deleted 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 2019-11-20 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: Navient Solutions, LLC.
State: KS

Complaint narrative:
XXXX College in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. Navient the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am getting calls from Bank of America. I do not know why they are calling. 
I do not have a loan or an account of any kind with Bank of America. 

Phone calls on my cell phone. XX/XX/2019 # XXXX a recorded message. 
This is Bank of America and this is XXXX voice department then someone speaks in XXXX. 
I hang up and try to block the number. They call back on another number. 
XX/XX/2019 XXXX & XXXX. 
I tried to call local Bank of America and because I did not have an I couldn't talked to anyone. By the way, calls vary XXXX, noon to 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