vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Claim Number XXXX On XX/XX/XXXX my fiance was involved in a collision in a parking lot at XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX, OK XXXX. The collision was with our XXXX XXXX XXXX and a XXXX XXXX XXXX owned by XXXX XXXX. The XXXX was coming through a feeder lane in the parking lot West Bound while XXXX XXXX was coming south bound on along the main entry and exit lane of the parking lot. XXXX XXXX was traveling at a high rate of speed and distracted and entered the Southbound ( oncoming traffic ) lane and swerved out but not after the XXXX made impact. In all states in the US and XXXX the main entry and exit lane has right of way. My insurance failed to determine this. Placed me initially at fault of of XXXX % stating because XXXX XXXX was in the parking lot first she had right of way. They then dropped the responsibility to XXXX % with us at fault noting she swerved. I have submitted diagrams, correspondence, phone calls, and emails and my insurance is determined to fault me for a claim that they did not properly review. Currently there decision is final and they will no longer review my claim even after i have asked to have the claim reviewed by a different team. The whole process is broken. The communication is broken. They have mishandled the claim and in my belief they know this and to save embarrassment are not proceeding in a manner that is honorable to the what they represent as a company. It goes directly against what they advertise.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 





View

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I HAVE FILED COMPLAINTS, DISPUTES, SENT LETTERS AND I AM NOW LOOKING INTO LEGAL MATTERS. THE XXXX XXXX ACCOUNTS THAT ARE NOW IN COLLECTIONS ARE CHARGED OFF DO NO BELONG TO ME. I AM AN AUTHORIZED USER ON MY MOMS XXXX XXXX CARD AND HAVE BEEN FOR YEARS. ALL OF A SUDDEN I HAVE TO FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM AWARE OF XXXX XXXX 'S DATA BREACH AND IM SURE I HAVE BEEN AFFECTED. ESPECIALLY SINCE AT ONE POINT A CARD WAS ORDERED AND REQUESTED TO BE SENT TO ARIZONA AT ONE POINT AND I LIVE IN MISSOURI AND HAVE NEVER BEEN TO ARIZONA. I ALSO DISCOVERED THE BANK THAT WAS LINKED TO THE CHECKING ACCOUNT THAT WAS PAYING THE CARD WAS FROM XXXX OR SOMEWHERE LIKE THAT AND AGAIN I LIVE IN MISSOUR AND NEVER HEARD OF THAT BANK

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Security Credit Services placed a collection account on my credit reports. I read to wait for a Right to dispute or dunning letter. It is now XX/XX/XXXX and still have not received an written communication from them. I have tried calling the number on their website for consumers multiple times. I have never had anyone answer. usually the line just keeps ringing. I tried to dispute with the bureaus, but all they do is tell the bureaus it is valid with no validation. I am very concerned as I have had Identity theft issues that may have caused this account. I know that both federal and Texas laws require this written notification. I need to see validation or it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I applied for a XXXX with the promo attached to this form. I spoke with 4 reps. First rep said that the XXXX XXXX point offer was on my account and promised that I would receive it, but the part of the offer about the {$100.00} statement credit was not on my account and he would submit a ticket for investigation and gave me reference number : XXXX Second rep said to wait on the investigation on the {$100.00} but reassured and promised that the XXXX were coming. 
Third rep said the {$100.00} statement credit came from XXXX, not Amex and to call XXXX Fourth rep said I gamed the system because I closed an account with them a long time ago ( A cashback card ) and I could not get either the points or credit. I explained the situation behind the closed account : It was my first card with Amex and I upgraded it and got another card ( the green card ) with no bonus because I liked Amex, also because I liked them, I referred a friend. Neither her nor me received our referral bonus. Amex refused to help, saying that we did something wrong and that a system error was impossible. I was frustrated at the poor way Amex handled the situation and therefore ended my relationship with Amex. Then, about a year later, Amex sent me an apology letter and made things right, so I decided to give them another try. I was not gaming them ... 
I also, was not notified that I was ineligible, as the forth rep said I was. 
I asked him to consider if he were to buy a computer at the store that said in big letters 8GB RAM, then in fine print on the back said may not be 8GB RAM. I asked if he would feel cheated after he bought it and found out that the store did the bait and switch on him. He didn't answer/ignored that hypothetical scenario ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
We applied for a loan with Guaranteed Rate in XX/XX/XXXX. 

Extremely unclear customer services. Never any clarity about the process. We applied in XX/XX/XXXX and 3 months later get the same answer of " you will close any day now ''. 

We have sent all required documents promptly when required. 

This should be dealt with ASAP. 

The office information is : XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX  representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This account does not belong to me, It was open due to a result of identity theft. Creditor is required under the FCRA to provide me a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Creditor has failed to present method of verification for over 60 Days! Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In the Event XXXX has falsely state the following account verified who verified these accounts? You Must provide me a copy of any original documentation ; a consumer contract with my signature on it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Since XX/XX/19, my phone has identified 22 phone calls that display as coming from Portfolio Recovery, in spite of the calls coming from different phone numbers each time, including today. There may be other calls from them using phone numbers that don't display as coming from them. I don't answer phone calls I don't know, so these calls always go to my voicemail. To date, I have not received any voicemails from Portfolio Recovery explaining why they are calling. I am also 100 % confident that I have no valid outstanding debts with any company or entity, so there is no chance that these phone calls are for a valid debt. I have not, to date, received any mail from Portfolio Recovery offering me any proof of a valid debt, as is required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Every month I file the same complaint, Then each month Chase lies and says they stopped all communication with me. Then each month chase sends me more emails. They closed my account because I am XXXX and the ongoing emails only remind me of the bigotry I faced from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had taken out a Synchrony Loan/Credit Card to finance a new AC for my parents ( who are elderly and my father is in end stage XXXX XXXX with XXXX ). I set up automatic payments on their website. I always choose " pay balance '' on my credit cards to avoid interest. I did that with this one, too. They took out the full {$6300.00} from my bank account in lieu of the XXXX XXXX monthly installment. I quickly called and said there must be a mistake, please reverse the charge and I will make a payment over the phone immediately. I was advised that was not possible. They would send me a paper check for the difference and it would take 7-10 business days to arrive. I spoke to two 'client managers ' who told me they could not electronically refund the money, nor expedite the check issuance and/or XXXX the check. I was told a 'client manager ' is the highest person I am allowed to speak to. I can't even do an electronic deposit for a {$6000.00} check. I would need to drive 30 minutes to my credit union. I explained all of this to them. I believe it's unreasonable ( a frankly predatory ) to expect a person to wait 7-10 business days for a refund that can only be issued on a paper 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 monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am  repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to  continue to pay on the vehicle until the almost four and one half payments  are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex Serve prepaid has allowed an unauthorized transaction of {$2300.00} to be debited from my account on XX/XX/2019 from a merchant I have never used before. I saw the police report filled out the proper paperwork and still have not received my provisional credit I have been a customer with them for over 7 years and my VA XXXX and Social Security come here monthly they are not trying to do anything to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have two federal loans with XXXX college for graduating as a XXXX XXXX..  which I am very Proud and Thankful.. But the loans together equals XXXX...I paid at least 5 times...($XXXX).... After checking my credit report a little often...it shows up NO payment...Or Late payment...NOW I CANT SEEM TO MAKE ANT PAYMENTS BECAUSE IM ABOUT TO GET EVICTED FROM MY HOME OF 5 YEARS WITH A XXXXYR OLD SON...I AM TRULY LOSING EVERYTHING... PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/XXXX XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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