vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
Sent request to Lexis Nexis to add security freeze to my credit report, a copy of credit report / full disclosure and also the credit reporting agency did not respond within 15 days they have violated the FCRA and the entry must be deleted.

The FCRA, Section 609 a ( 2 ) regarding disclosures provides leverage to get the item deleted. I requested to see what they used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. The credit reporting agency must disclose the source of the information.

Lexis Nexis has refused to respond or send me my full disclosure report Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available My requests are being ignored and after 30 plus days, I still do not have a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: AZ

Complaint narrative:
I disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. Equifax and XXXX XXXX didn't follow suit and are still reporting the debt on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
For no reason and Without any explanation or early notification they close my account on XX/XX/XXXX with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since XXXX with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested a security freeze onXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and as of today again, I received a full credit report and other info stating that my current disputes were being investigated. But when trying to make the request online, i get an error message that I need to submit an Identification such as state or driver license, utility bill and a copy of my security card.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied to American Express credit cards. Got approved on the spot for AMEX Everyday And they offered me a welcome bonus like spend a thousands in 3 months get XXXX points And the Cash Magnet   AMEX it was offering me XXXX $ in 3 months for a XXXX dolar. I personally applied for this promotion because it felt to me a good deal. 
I was able to spend the required money and started to wait passionately for my bonuses. 
I started to call the costumer service every representative is telling me something different. Theyre telling me that theyre investigating the issue and rejecting them for the 2nd time. As I ask for a reason why they not take their word, they start telling me that they did not promised to me and lie about it.

I applied online for the two cards. 
They are going to ask for proof. I know what I saw on the promotion, when I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested a security freeze onXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and as of today again, I received a full credit report and other info stating that my current disputes were being investigated. But when trying to make the request online, i get an error message that I need to submit an Identification such as state or driver license, utility bill and a copy of my security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: IL

Complaint narrative:
I requested a full file disclosure, opt of of permanently solicitation or credit offers for 5 years and a security freeze, I have no confirmation of the items I requested over 30 days ago on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position.

Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected.

This morning, I received notification that they responded to two disputes I initiated with them.

The problem - I never contacted them regarding any disputes.

I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. 

This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I submitted all of the required documents to The Money Source also known as TMS, in order to be considered for payment assistance options. TMS confirmed, they've received the documents but will not consider a review for payment options, I was advised by my service lender TMS to reach out to the VA in order for them to help postpone the foreclosure sale date of XX/XX/XXXX.  The servicer TMS, stated they are unable to help me unless the VA says the foreclosure sale can be postponed. 

I am requesting a Loan Modification from TMS. My name is XXXX XXXX XXXX, and I am retired XXXX Veteran. I was released from employment and have attempted numerous times to request assistance since the beginning of my unemployment hardship. I was verbally denied the ability to apply for any retention options since the beginning of my delinquency, and throughout the course of my unemployment hardship. I've now gained employment, and again began to request assistance but have been verbally denied the opportunity to apply for any payment assistance programs again. 

I am asking for TMS, the VA and CFBP to help request a foreclosure postponement for the reason that : 1. I have a VA loan.

2. My home has never been reviewed for any loss mitigation options in the past.

3. I've attempted to apply since day one of my h
ardship and through the course of my delinquency and have been verbally denied the ability to apply.

4. I do not want to end up homeless, as I have now recovered from my hardship and able to resume payments.

I am requesting assistance with the past due balance to bring the account current. TMS has the following documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
Nearly a month ago I requested the company either settle a debt I strongly believe does not belong to me or provide documentation to validate the debt they seek to collect. My request can be viewed in complaint XXXX-XXXX. The company provided a narrative of the account but did not provide any documentation to validate the debt. Despite not sending any information to validate the debt, they continued to report the information on my credit report thus violating the FDCPA. Despite not believing the debt belonged to me, I made a generous offer to settle the debt to which the company did not agree to. The company stated they would contact me via mail, however ; I have yet to receive any documents from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
On XXXX the XXXX I sold a property with my other two siblings. The XXXX XXXX received a report that I owe two credit cards from XXXX. They held the funds in Escrow but they gave me a full month to fix the problem. LaVrar a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called XXXX and they told me I owed {$3200.00}. In the meantime The XXXX XXXX paid the first credit card that was open but then is when the trouble started because The Title Company asked LaVrar the Collection Agency if they had the other credit card debt. LaVrar responded they had it but IT WAS CLOSED. The XXXX XXXX gave them inside info that the debt was still open so LaVrar called XXXX and got the account open back again. I called XXXX ready to pay but they told me to call LaVrar. So now I am stuck with LaVrar which is demanding I pay {$6600.00} The XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at The XXXX XXXX   and Mr. XXXX at LaVrar. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to XXXX so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NE

Complaint narrative:
This company is attempting to collect a debt I do not know anything about. Within the last week I was made aware of the debt they are trying to collect upon. Although I am not familiar with the debt I am willing to settle it with a payment of {$100.00} in exchange for a complete deletion from my credit report. I have an important transaction I would like to handle ASAP that requires this account to be removed from my credit report. If you do not accept my settlement offer, I demand validation of the debt you seek to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: NE

Complaint narrative:
This company is attempting to collect a debt that I am unfamiliar with. According to my credit report they are collecting a school related debt. The period of time that they are reporting the account opening, I was not attending school. For this reason I am doubt the validity of the information they are attempting to collect. Despite doubting its validity, at this point is more important for me to have the erroneous information removed from my credit report, immediately. I am prepared to offer a settlement of {$980.00} in exchange for a complete deletion from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I fell behind on my mortgage payment from a divorce and financial obligation to care for my XXXX kids with XXXX XXXX   because of medical bills and other cost of living expenses. I contacted my mortgage servicer, Quicken Loans, and applied for a mortgage modification or a application for success. I turned in the paperwork required that they asked for. I have since called them three different times and Quicken has told me to resend my paystubs, my application was with underwriting and I need proof of increased expenses like medical bills. I feel Quicken is making this process longer to make me fall further and further behind in my payments until I give up and Foreclose on my home. I turned to XXXX XXXX XXXX for modification assistance, but afraid that it may be a scam. They told me to pay them XXXX dollars a month for 5 months for their assistance and stop paying my mortgage in that time. 
Please help, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union bank refused my access to my CD account that is worth {$110.00} XXXX dollars. They Denied recognizing the Payable on Death set up with the account. They denied a transfer I made to have my funds transferred to by other financial institution. They also refused to mail me a statement of my account.

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I obtained a mortgage with Countrywide in XXXX. I understand that they were sold to Bank of America. I finances condominium located at XXXX XXXX XXXX XXXX XXXX Apartment XXXX, XXXX XXXX CA XXXX. I was very young and inexperienced. In XXXX I struggle to maintain payments plus HOA fees plus lease on XXXX. My apartment was facing foreclosure. I started receiving dozens of letters and pamphlet in the mail. I choose one individual who ended up taking advantage of me, and I took him in XXXX XXXX small claims court. I won, then he treaked me again by negotiating those astronomical triple fees he imposed, while he filed an appeal. I ended up selling condominium in XX/XX/XXXX, 2 months before 2 year mark owning it. Countrywide overcharged me while I was struggling pay the mortgage. They piled illegal excessive fees on me. While I was behind on my mortgage payments Countrywide deceived me to pay astronomical fees. They inflated these fees. It was a class action against Countrywide filed by FTC in XXXX. I would be part of {$100.00} XXXX recipients, class members, but I haven't received notice because I moved. I was defaulting on my loan while Countrywide imposed inflated fees on me, ordered property inspections and other. While I had delinquency Countrywide was earning huge profits by funneling default related services through subsidiaries that it created solely to generate revenue. Countrywide jerked up cost of fees and services solely to make profit, and demanded from me to have these services while they were not necessary or appropriate while I was trying to keep my home.

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 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX the XXXX I sold a property with my other two siblings. XXXX XXXX XXXX  received a report that I owe two credit cards from Discover. They held the funds in Escrow but they gave me a full month to fix the problem. XXXX a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called Discover and they told me I owed {$3200.00}. In the meantime XXXX XXXX XXXX paid the first credit card that was open but then is when the trouble started because XXXX XXXX XXXX asked XXXX the Collection Agency if they had the other credit card debt. XXXX  responded they had it but IT WAS CLOSED. XXXX  XXXX XXXX gave them inside info that the debt was still open so XXXX   called Discover and got the account open back again. I called Discover ready to pay but they told me to call XXXX. So now I am stuck with XXXX  which is demanding I pay {$6600.00} XXXX XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at XXXX XXXX XXXX and Mr. XXXX at XXXX. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to Discover so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
This company has never responded to the original complaint submitted on XX/XX/XXXX via CFPB website. 

This is my second complaint. This company is in violation of the FDCPA ( Fair Debt Collection Practices Act ). I've asked this company to provide the following via and enclosed " Credit Disclosure Statement '' : *Amount of debt purported to be owed *Date debt was charged off *Was the debt ASSIGNED or PURCHASED from a previous creditor *To state the amount of money paid for the ASSIGNMENT or PURCHASE of said debt I have revoked their power of attorney and I do not give them permission to do business as a third party in my commercial affairs yet they keep committing this FRAUDULENT ACT. 

They continue to be in violation of the FDCPA ( Fair Debt Collection Practices Act ) by not providing their verified proof of claim via the " Credit Disclosure Statement '' They have yet to substantiate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USAwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with COMENITYBANK/VICTORI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and COMENITYBANK/VICTORI with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation