vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX we purchased a subwoofer from XXXX XXXX. It didn't work well, so we opted to return it. Initially they refused to pick it up, but after explaining it wouldn't fit in our car, and that they delivered it to begin with, they agreed. Pickup was completed on XX/XX/22. 

I have a copy of the pickup receipt that I will attach to this. 

I have sent the documentation over to American Express on three separate occasions, and all three they claim they did not get any supporting documentation. Current dispute number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE debt collectors agreed to remove this account from their records and my credit report. They re-added the account to their records and has not removed the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TX

Complaint narrative:
I was a cosigner on a new XXXX XXXX  XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX   had the car and took longer to send in the payoff for the car than normal and XXXX   reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted XXXX   financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told XXXX  doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.

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 2019-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I made an allotment from my government XXXX to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is some XXXX XXXX guys account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never be another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 6 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them Ive spoke with everyone and the CEO about this Why hasnt a theft or fraud report been filed also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: FL

Complaint narrative:
I disputed two accounts over the summer in XXXX/XXXX  that are both XXXX $ each. Equifax removed them XX/XX/2019 and I now I checked my credit XX/XX/2019 and their both back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
Radius Global Solutions has attempted to collect a debt by placing the debt collection efforts on my credit report. Radius Global Solutions never contacted me and writing or provided me the opportunity to dispute the debt. In an attempt to dispute the debt, I sent a validation request to the address provided on my credit report. The certified letter came back as undeliverable. Even in an attempt to validate the debt, the debt collector refuses to provide a valid address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: GA

Complaint narrative:
I need your assistance in helping me to remove incorrect information from my credit file. Transunion, XXXX, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; XXXX is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX  and XXXX and Transunion is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; Transunion is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

XXXX is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
To whom this may concern. I have been filtering calls from Midwest recovery systems. The call 's or from an automated system and the messages that there are leaving are trying to contact the individual add this number in relations to a debt. The problem I am having with these calls is that they're not asking for the person who incurred the debt. The other problem is they are not willing to tell me the original creditor in which the dep had occurred. The 3rd and most important problem with Midwest recovery systems is that they have been Reporting negatively on my credit report for no apparent reason. I understand that there are collection agency but they don't have their original creditor and I am not going to pay the same bill twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Opened a lowes account in 2013. Fraud was accrued on the account since then. ALL CHARGES are not mine and.they are saying i havent support them with sufficient evidence even though i did exactly as they told me. Made numerous attempts and numerous fraud investigations opened.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft and fraudulent accounts were opened with my social so I informed Capital One of the situation investigations were done and the accounts were ruled fraud and were removed from the Credit bureaus so several months later I applied for credit with Capital One and were denied due to previous accounts that was still attached to my social security inside Capital One internal system so I reached out to them and they stated basically thats the way they do business there is no such thing as Victim with Capital One they still hold the consumer liable for Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I originated my loan XX/XX/2018. I just received my new Escrow analysis that has left me with a {$1900.00} shortage. spread over the next 12 months this is increasing my mortgage payment by {$300.00}, making it now unaffordable. I have made calls to my insurance company, my city and my County, all of which have told me that nothing has changed in their billing. Upon further review I have found out that the title company that was hired to finish the closing process for my loan had taken the country auditors property value of a XXXX ( reporting as of 12 years ago when the home was purchased by the previous owner ) instead of my property value which was XXXX. Huntington not only had the appraised value, but also had the loan value to accurately estimate my taxes. but due to gross negligence they severely undercharged me, which is now putting me in a hardship for the next 12 months. this violates all FDCPA and UDAAP laws. under guidelines they can not sell me a loan that I can not afford. Huntington has essentially now made my home unaffordable, that throws me involuntarily in to potential default. The underwriters, and the title company should be held liable for their miscalculations. I should not have to bare the brunt of their mistake, and potentially lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NJ

Complaint narrative:
I have disputed a charge in the amotn of {$9900.00} ; however, Citi does not engage in constructive dialog despite their customer service representative confirming my signed document package was received, later to be told that it was not received by the due date ( XX/XX/XXXX ). Disputed XX/XX/XXXX, send initial information XX/XX/2019 ; XX/XX/2019 ; and again attached in this compliant to process 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 explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My loan was transfered and the company did not satisfy all the notification requirements. It failed to notify me of where the transfer of ownership is recorded, which is a RESPA requirement. 

On XX/XX/2019 the loan was transfered. The company reported me l ; ate for payment made on XX/XX/XXXX for the XX/XX/XXXX payment, as well as the XXXX payment. 

Since the company was deficient in its notification I should not be reported late.

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 2019-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION
State: UT

Complaint narrative:
Sallie Mae Bank personnel can not give a consistent answer about whether or not funds wired via XXXX to SallieMae Bank from a domestic U.S. bank will be subject to a funds availability hold or not. 

Two telephone reps that I have spoken with on XX/XX/2019 and XX/XX/2019 have said that inbound wired funds are not subject to funds availability holds. 

However, I asked the same question via secure message to Sallie Mae, and their response was that a funds availability hold would apply. 

At best, this is a serious discrepancy in information that Sallie Mae Bank is providing to customers. At worst, this is a deceptive business practice of telling customers that funds wired into new accounts are not subject to holds when, in fact, those funds are subject to holds.

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I got a loan from DuveraXXXX XXXX, I paid for some months an later I was unable to continue making payments on my account because the payment service or website was not working, after 30 days they sent the account to collections even when was not fault that their payment processing service was down and can't accept payments. 
I still being calling this company thru different numbers but all those phone numbers XXXX, XXXX, XXXX, XXXX, but any of those phone numbers works. 
Since they sent to collections my account by mistake, this hurt my credit score, and just because this company does not take phone calls I can't pay them of negotiate them. 
Also I being looking their website like https : //duvera.com/index.htm and XXXX XXXX XXXX I disputed the account thru the credit bureau agencies because I never had the opportunity to pay this account, also this account was charge off just after 30 days late payment and I was because they do not allow me to make payments. For some reason the credit bureau investigation resulted as " verified '' How they verified if nobody answers the phone??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
Im not sure of the dates the note I entered in my phone was in XXXX at least 45 days after I made them aware the same night after using my card at XXXX numerous transactions were attempted for to much and then lower amounts on XXXX for almost {$300.00} to empty out my One Vanilla card. When I called them they turned it off so I cant look at anything online anymore. I was told several times to call back at a later date. Tonight was informed they sent me a dispute packet in my email ( Never received in spam or inbox ) that I have to fill out a form when I was already told that they shut off all the transactions were still pending when I notified them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: OH

Complaint narrative:
XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole 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 2019-11-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called Lexis Nexis who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with Lexis Nexis. I have placed a freeze on my Lexis Nexis information as well, but yet they still claim to have verified it as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/19 I attempted to get my free annual credit reports from the big 3. I was able to get online reports from XXXX and XXXX but not Experian. When attempting to get Experian 's report the following notice pops up : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request  form. 

XXXX XXXX XXXXt XXXX  XXXX  XXXX. XXXX XXXX XXXX, GA XXXX I think this is unreasonable. I've also read online posts of others running into the same problem, mailing in a request for the report - but never receiving 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 non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was served papers to appear in court for small claims summons, the court date was for XX/XX/2019. Today, I received an email from my payroll telling me my wages were going to be garnished. I contacted my payroll department I was never provided any documentation for a default judgement and I was told that Law Office of Hunt and Henriques had submitted a judgment against me. I contacted the law office to inquire as the court hearing was not schedule until XX/XX/2019 and I was told, they requested a summary judgement without the hearing. I spoke to an Attorney ( XXXX ) and he explained that since I was served paperwork and I did not contact them or the court, they were granted the judgment. He explained this is customary practice but it feels as it is deceiving and should be illegal as we had a hearing that was already schedule. I have asked for a copy fo the judgment and documents submitted and provide to the court but I was told they have already been sent to me. However, I never received this documents. Today, I attempted to settle the debt via an electronic check or debit card but I was told, I would have to mail in a payment in form of certified payment and that once, they received the payment, it will take several days to process and therefore, the garnishment might still take place. I was told the judgment will affect my credit and can affect any property own. The amount of the garnishment is much greater then what is listed on the court summon.

Company response to consumer: Closed with explanation