vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA

Complaint narrative:
I was served through the City Court notice that XXXX was trying to collect a debt through law firm, Rausch, Strurm, Israel, Enerson , & Hornik, LLC. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TX

Complaint narrative:
Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed

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 2020-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TX

Complaint narrative:
Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed

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 2020-01-27 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Credit Card was charged off and a 1099-c was sent out in XX/XX/2018. The credit card company continues to report a balance to credit bureau after 1099c was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Great morning, On XX/XX/XXXX I started the process of doing a " Streamline '' refinance with Lakeview loan servicing LLC. All of the required documents were submitted within a timely manner. After receiving terrible customer service I requested that I receive new loan officer and/or loan processor on XX/XX/XXXX. I was totally ignored and they continued to put me on the back burner with no communication. I repeatedly tried getting updated on the status of my refinance from my loan processor and loan officer but they kept giving me empty answers. They also started blaming each other for my inconvenience and sending me back and forth. Prior to XX/XX/XXXX they no longer answered my emails or phone calls and they started blaming the title company and my 2nd mortgage lender for my inconvenience. Eventually I reached out to the title company and they let me know that Lakeview loan servicing LLC informed them that I was doing a regular refinance so they were waiting for my credit report and property appraisal. Lakeview loan servicing LLC misinformed them because a " streamline refinance '' does not require this paperwork. Lakeview loan servicing LLC also told me they sent paperwork over to my 2nd mortgage lender for the subordination letter. I reached out to my 2nd mortgage lender and they confirmed that they never received any request from Lakeview loan servicing LLC ( I have this documented via email ). After this tedious process of finding out I have been getting lied to I let Lakeview loan servicing LLC know that I am aware of the inaccurate information given to me. Now here it is XX/XX/XXXX and I still have not closed on my refinanced loan because they are saying my file is closed because my XXXX payment went through on the XXXX of XXXX which is outrageous. My payment was made in XXXX and I should have already closed on my loan months ago because minimum information is required for a " streamline refinance ''. This is my first home as well as first refinance and Lakeview loan servicing LLC has emfacticly under served 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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX cancelled my services with XXXX XXXX phone number XXXX in XXXX of 2019. That account is closed with a XXXX balance currently. 
I was contacted by IC systems a third party collector for XXXX XXXX in reference to an account opened in XXXX with a phone number ending XXXX. I am not aware of this account as I did not sign, authorize, or grant permission to anyone to open an account on my behalf. 

I am requesting IC systems to delete this error immediately from my credit reports. This account should not have been opened on my behalf without my signature and identification. The only contract I signed with XXXX was for phone number XXXX many years ago. That account is closed with a XXXX balance. 

IC systems or does not have any written authorization or current identification of myself authorizing a new account in XXXX of 2019 for phone number ending in XXXX. 
As this error violates my rights under the FCRA please delete it immediately from my credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello CFPB, I, XXXX XXXX is looking for your help because this is not fair to me. The fact is I have a XXXX  XXXX credit card and this was my first time saw the credit report through XXXX  XXXX website they offer the credit report for free of charge so I reviewed my credit report and I saw information is not correct that means I have never done with the Federal Loan. I have attached document for your review and I look forward to receiving your response soon. 
Below my contact information XXXX phone ( XXXX ) XXXX - XXXX Thank you. 

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
XXXX by XXXX netspend is owed me a refund of {$390.00} that the claim was resolved by phone claim number XXXX and the XXXX staff or XXXX is being very rude and Im concerned may have embezzled my check and compromised my social security number over seas I spoke to a XXXX woman on XX/XX/19 that processed my check but the XXXX  are refusing to resend my check.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize for these companies to perform any type of inquiry on my credit report. 

These fraudulent actions were conducted without my consent or knowledge. 

REMOVE 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 2020-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I received my first bill from Synchrony Bank regarding a store account on XX/XX/2020 ; the bill was dated XX/XX/2020. Two items were wrong : First, I had been charged a late fee of {$28.00}, and second, I had a past-due balance of {$97.00}. As this was the first bill, both items were clearly wrong. 

I called the bank 's customer service number to get the bank 's errors corrected. The late fee was waived ( as a courtesy ; those words were a bit insulting, since the error was the bank 's ), but I was advised nothing could be done to correct reporting of the past due amount other than to write a letter to the bank demanding a correction.

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 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery is attempting to collect a debt originally from XXXX XXXX that has been paid and settled in XX/XX/2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from Portfolio Recovery illegally trying to collect on a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
I received a voicemail today from an unknown number at XXXX XXXX  cst. The call states it was from a detective from XXXX county trying to notify me that criminal charges were being filed against me. They advised that a bench warrant was going to be served if I wasnt available tomorrow during the hours of XXXX to sign an affidavit. I looked up the number i was advised to call and found the number is for BRONSTEIN & WEISS ARBITRATION , INC. I have uploaded the available transcript on my voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I filed a complaint on XX/XX/XXXX case number XXXX, XXXX XXXX XXXX, against USAA in reference to a money transfer from XXXX XXXX XXXX XXXX ( XXXX ). USAA responded back to you saying the money was going to be refunded back to XXXX, this was on XX/XX/XXXX. 
Ive attempted to contact USAA ( 16 ) different times and NO one has responded to my calls, Ive spoken to every assistant for the office of the CEO and NO return calls Ive left ( 9 ) messages for XXXX XXXX and XXXX XXXX and have not received one call back. The two listed above are the assigned investigators.

I have requested a written response from USAA on 8 different phone calls and 4 emails and have yet to receive a response I read that USAA was just fined for the same things? 
USAA submitted a response to the CFPB stating the money was to be returned to the XXXX? Was the response just to get CFPB to close the case? 
Does CFPB have and enforcement powers? Or is USAA aloud to get away with sending you a positive response and NOT following through with the customer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX is attempting to collect a debt originally from Capital One that has been paid and settled in 2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from XXXX XXXX illegally trying to collect on a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit failed to send me several statements. 

I contacted their customer service several times beginning in XXXX of 2019 to attempt to update my address and request paper statements. 

They repeatedly refused, saying their system was down, or they were unable to assist me at this time. 

After several months, they did not even say this, and instead say they were blocking my account unless I get a driver 's license. 

I asked if regular government issued ID would work, but they said no, it has to be a driver 's license. I asked " Why, I'm not trying to rent a car? '' I was told they have some new policy where you have to have a driver 's license to validate credit. 

I asked if I could get a letter about the policy, but was refused, and was told that's not something they do to provide information for cardholders. 
I asked who they would provide information to regarding the new policy, do I ask a government regulator or a journalist or someone? 
I was informed by the customer service manager, that they don't know who they would share ( the? ) information with, only that it's not to be shared with cardholders. 

My cardholder agreement, does not say anything about needing a license to drive in order to qualify for credit. 

It is unclear if this is some new form of economic discrimination for all account holders, or if it is a specific additional burden being placed on my account. Customer service has been less than forthcoming with any details for me these last 7 months. 

I have been waiting for the result of a disputed transaction from XX/XX/2019. As it has been nearly a full 30 days since the dispute was made using the Capital One dot com website, I should have access to the resolution of the dispute. However I have been unable to obtain this information. 

I have tried 6 of the contact phone numbers for Capital One, their email customer service, their social media team, their website 's live chat, and their third party operator 's service for their corporate switchboard. 

After nearly 7 months of effort, I am still no closer to resolving my concerns. 
I was told today by one of their customer service center managers, that there is no higher level of escalation that talks to customers, and that there is no longer any executive customer service team to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX a took a loan with one main financial in XXXX, OH, for XXXX at the end of my loan my whole amount will supposed to be XXXX or something around. they did never mentioned that they calculated monthly and annual interest on the whole amount of the loan which is XXXX, when I just took a loan for XXXX. I've being doing my regular and additional payments into the account but they never mentioned that. I spoke with a representative with name XXXX, she said they calculated monthly and annual interest on the final amount which is XXXX. I considered this outrageous and not fair because they never mentioned something about. I spoke with that representative and she told me she spoke with the district manager and that how they do it.

Company response to consumer: Closed with explanation