vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Now I see that USAA/XXXX  has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with USAA months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan. 

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company. 

USAA/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan. 

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from USAA/XXXX. 

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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 — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I've tried applying for a XXXX credit card and other credit cards as well. they each say that someone else 's name comes up under my ssn. Not really sure how or when this happened. I also have problems checking my credit. Every site, XXXX XXXX for ex., will not allow me to see my credit score due to whatever 's going on with my ssn. If you can't help with this can you please point me in the right direction to fix this problem? Thanks.

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I believe my next door neighbor used my personal information to get her electricity on in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: IN

Complaint narrative:
Now I see that XXXX/XXXX has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/XXXX.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

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 2018-06-26 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Now I see that XXXX/Nationstar has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/Nationstar even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/Nationstar.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have not recieved any proof of verification on any debt owed on 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 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is blocking XXXX and XXXX app ( which I pay monthly for ) from pulling money from my accounts in an effort to save and pay off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX : 1. Failed to process SCRA requests multiple times 2. Stopped sending statements to my address 3. Denied access to online accounts ( locked account ) 4. Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Credit inquires made without consent : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. 

I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i have not recieved any proof of verification on any debt owed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First, I have been calling my point of contact with the executive office of Wells Fargo since XX/XX/XXXX and have not received a call back. That is over a month without being contacted back. Prior to this, I only sporadically heard from anyone - to include my home preservation specialist. Time is of the essence, I need assistance to become current and avoid foreclosure - and I can not get help because nobody will return my call. That is unacceptable. 

Second, I applied for the first loan modification we had submitted back in XXXX - XX/XX/XXXX and it did NOT include all sources of income we submitted for the application as a previous representative reported to me. First, XXXX XXXX, our first home preservation specialist, advised us to only put XXXX   income on the application for assistance and to send in ADDITIONAL non-borrower financial contribution sheets for XXXX ( wife ), XXXX mother and XXXX father who also lived in the household. That means THREE additional incomes were NOT included and they should have been, as rhag paperwork was sent in. While XXXX was unemployed, he was collecting both social security and VA retirement which equated to nearly {$3000.00}. XXXX worked full time with a monthly income of nearly {$6000.00}. Both XXXX parents contributed all of their income to the household which equated to nearly {$3500.00} a month. All of the supplemental paperwork was submitted for proof - I have copies and fax receipts. This means thousands of dollars of monthly income was submitted to Wells Fargo, yet not taken into consideration in the modification application. Why is Wells Fargo claiming none of these were sent and that only XXXX income was to be looked at? That is incorrect and lead to an incorrect loan modification denial ; which ultimately led to us filing for bankruptcy. Also, the application for assistance that has been uploaded on this thread for reference is blank. We did not send in a blank form. 

Next, we have submitted a new loan modification application for XXXX. I need assistance, as the reasons we were denied ; once again, are wrong. I have appealed this and sent in the proper appeal paperwork. There is several different incomes being reported. I am not longer in Chapter XXXX Bankruptcy and I am being denied a modification due to being in bankruptcy. 

Last, prior to the chapter XXXX Bankruptcy being dismissed, I tried to call and make a mortgage payment. I was told the bank would not accept another payment.

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
never sent verification of 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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a jade pendant on the last day of a recent trip to XXXX using my Capital One XXXX card. 5 days later I contacted the XXXX store from the US wanting to return it. I felt the merchant won't cooperate so I wrote a long letter to Capital One explaining all my reasons for the return and my concerns. On XX/XX/XXXX, a lady of Capital One called me telling me to mail the pendant to XXXX and she issued me the credit. She said as long as the tracking shows it passed through the US custom, it'll be up to the merchant to prove they didn't receive it. So I spent the international postage, then wrote another long letter with the tracking #, photos of package etc. to Capital One. On XX/XX/XXXX, the merchant called saying that they received the package and need my credit card slip. I emailed photo of the slip to them right away. On XX/XX/XXXX, Capital One called me saying they reinstated the charge because the USPS tracking stops after the package left US. They need me to give them the proof that merchant received it. I was on the phone with Capital One for more than an hour, explaining that the merchant must have received it because they can only get my phone # from the package. I can show them my phone record of they called me and my email to them, but since they are not replying me I have no other way to prove it. I only mailed out the package per Capital One 's instruction. I spent so much time writing and sending them all the document I have. They made me incur all the mailing cost. I can't make up a XXXX phone call to myself. I can't make USPS track more for me. How can they ask me to prove the unprovable thing from my side after they told me it'd be up to the merchant to prove?! Capital One promised consumer protection. I did all I could in good faith. But they are not keeping up theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The debt was reported to my Credit report with a start date three years after I paid the debt. I tried to get the account removed from my credit report. The collection company states that the dates are correct and this is a valet dept.I did not receive a written notice with an opportunity to depute the dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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: CA

Complaint narrative:
I have had difficult times trying to remove errors on my credit report from Experian. They dont remove them. They update errors from several years ago to the current month to purposely make my report look even worst. Nothing was removed but only updated. The Bankruptcy is an error and they claimed that it is mine. Many errors are still on my 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