vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a new credit card from capital one. I went to set up the online account so that I could see transactions often and pay the bill, however, their system would not let me set the account up. I kept getting capital one error messages saying there was a problem with their site and to try again later. I called them to fix the problem. They said that my SSN was attached to an old car loan that was paid off and because of that it was pulling my old username to use, but I couldn't use that username with a credit card since it was associated with a car loan. They told me they would fix it and it would take 72 hours to take affect online. Fast forward to XXXX, I had used the card several times for a rental car and gas purchases, and I knew the bill was likely coming due even though I had not received any statements via email or regular mail, so I went online to log onto my account to pay the bill and experienced the same issue as before with the error message. I then called capital one again. That was XX/XX/XXXX. They told me they'd look into it and call me when it was fixed. They also told me it looked like some fraudulent activity had been seen on my card. One purchase for {$1000.00} to XXXX XXXX. I never used the card at XXXX XXXX, so I confirmed that this was fraudulent activity. They then canceled the card and issued me a new one. Two weeks later, I still had not received a call about them fixing the online access to pay the bill, a statement in the mail, or the new card, so I called them again. I went through the same song and dance as my earlier XXXX call. I even got disconnected and no one called me back. I then called the next day. The same thing happened. I then called on XX/XX/XXXX infuriated because they were doing nothing to correct the situation and were not allowing me to see my statement to further investigate any fraud that we know indeed did happen. They told me they would escalate the situation higher and they call me when it wasn't fixed. The next day, today, I found out that my new card was not working. I called them to ask why. They said it's because my balance was five days past due. I lost it. I have been trying to lay this bill since the first week of XXXX, but they refuse to send me a statement or allow me online access to look at my statement. With fraudulent activity being on the account, I want to view the statement before anything gets paid. I feel that I have the right to see the statement. I believe that it may even be a federal law. Instead, capital one is stalling so that interest and fees build up first before they allow me to see the statement and pay the bill. This is downright wrong and unethical. Please do something!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: AL

Complaint narrative:
I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been released as a co-signer and have no responsibility on the 2 XXXX loans listed on my Equifax credit report. I submitted proof and Equifax investigated and did nothing. I would like these removed from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 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: GA

Complaint narrative:
XXXX XXXX is an account that is erroneously being reported on my credit report. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 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: DISCOVER BANK
State: GA

Complaint narrative:
For a few months in XXXX I struggled to pay my discover card. In XX/XX/XXXX, I enrolled in Discover 's payment plan to bring my account up-to-date. Since then, I have now brought account current. However, my card was suspended due to the missed payments in XXXX. 

I understand that it's important for organizations like Discover to have trustworthy clients. My personal hardships caused me to miss payments and tarnish my previously stellar relationship with the company. I'm asking for a second chance and have my card/account unsuspended so I may continue to develop my relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/2018 I sent PRA a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called PRA back in XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with PRA in  the past and they were removed without me paying a dime. They are conducting illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: IL

Complaint narrative:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.XXXX, EQUIFAX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, XXXX, EQUIFAX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, XXXX, EQUIFAX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to XXXX & EQUIFAX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM EQUIFAX CREDIT REPORTING AGENCY THEN TO MY SURPRISE EQUIFAX HAD  REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN XXXX BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO XXXX XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE XXXX ABOUT THESE INACCURATE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending. 
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail. 
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.

On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.

Is this legal since we are stilll within our 15 day grace period. 
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you

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 2018-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I used MoneyGram to transfer money to my sister in XXXX on XX/XX/2018. 
MoneyGram canceled the transaction without telling me. when I called their customer service number ( XXXX and XXXX ) to find out the reason. The personnel at the customer service center would pick the phone and pretend they can not hear me and then subsequently they will disconnect the line. This continued for 3 times without any professional assistance. I had to go to XXXX  store to get a refund of my money. This is a breach of financial transaction contract. I demand explanation from MoneyGram. The money transfer reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: Real Time Group, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Real Time Solutions XXXX XXXXXXXX XXXX, XXXX   XXXX Re : Real Time Solutions partial account # XXXX ; XXXX partial account # XXXX Dear Real Time Solutions and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached. 

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. 





XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage documents are showing an audit and voluntary repurchase agreement in XX/XX/2013 from XXXX. The servicing has been transferred 2 times since then.XXXX  does not acknowledge these documents. After demanding paperwork and making previous complaints, I just recently was told of their existence .I believe we have been defrauded by all the major banks who held this property.After I questioned Mr. Cooper they transferred me to XXXX XXXX  XXXX..As of XX/XX/XXXX the loan number is the same under XXXX XXXX XXXX XXXX XXXX and Mr Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open onXX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX  of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

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 2018-05-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX  has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

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 non-monetary relief
Consumer complaint received 2018-05-28 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX5 Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXXfurther more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX

Company response to consumer: Closed with explanation