vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
**THIS IS NOT A DUPLICATE COMPLAINT** -- Friday, XX/XX/XXXX at XXXX approximately. I called Marvin Dang Attorneys to talk about all the research that we have been doing this year in regards to my XXXX XXXX XXXX XXXX account ending in XXXX. Last correspondence to me through CFPB ( this website ) The attorneys at Dang 's office indicated I owed {$340.00}. I want to pay it today, but they say they need to do more research. I would like the amount of {$340.00} to be paid immediately, yet they need to do more research? Why can I not pay this amount and be done with this? The account according to their correspondence with me on XX/XX/XXXX through this site says that they would " accept payment of {$340.00} under previous terms to settle this matter in full ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Deinde Online Services, LLC
State: MO

Complaint narrative:
I took out a installment loan with Integra, in XX/XX/XXXX I reached out to company asking for help over the month of XX/XX/XXXX as i was not able to make my payment. I was assured that my next payment would not be due until XX/XX/XXXX. On XX/XX/XXXX the debited my bank account which caused me a XXXX overdraft fee. I instantly contacted them. Was assured they would refund my payment as well as my overdraft fee in 2-3 business days. On XX/XX/XXXX I reached back out to be advised they would issue my payment back but not my overdraft that would be credited toward my balance. On monday XX/XX/XXXX I followed up to be told it takes 2 full business days for the payment to clear and then time to process refund but that it was on it's way. I was told this again Tuesday and on Wednesday I was told it had been processed and on it's way to my bank, on Thursday I reached out again to be told that they're working to resolve the issue ... no longer stating I would receive a refund but that the supervisor couldn't process the refund and it had to be sent to upper management. Today XX/XX/XXXX I reached out again and told that upper management has not reviewed my account yet but that I would hear from someone when they do. No longer recieving even an ETA for when this will be returned.

This is a horrible way to run a business based on trust. I was honest with them and they withdrew money from my account without authorization after stating they would not and now are refusing to refund the money they were not authorized to take. 

I would like the refund of the payment that was not authorized as well as the overdraft fee I was charged due to the companies unwillingness to honor the email they had sent stating I would not have a payment pulled until XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a statement from Midland dated XX/XX/2019 stating that they were trying to collect a debt. I immediately sent a corresponding letter request to validate this debt. Midland sent the same statement back as validation in XXXX and in XXXX of 2019. I sent second correspondence back advising that this was not a valid validation providing that there was no biding contract agreement with my signature proven that this debt was mines. I called midland in XXXX and XXXX and spoke with a representative name XXXX XXXX then stated on a recorded line that they couldn't provide anything but a statement because was all they had. He then tried to threaten me about going to court. I advised him that this would be fine because I would still ask for a letter of production to produce that this was my debt. He hung up on me. I am asking that this debt be removed from my credit report due to lack of evidence proven that this debt is mines and valid. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I never authorize these inquiries from tj max on XX/XX/XXXX XXXX also on XXXX XXXX XXXX XXXX XXXX XXXX XXXX syncs/old Navy XX/XX/2019 2019

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 2019-10-26 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: CA

Complaint narrative:
XXXX reports that I owe them {$100.00} and the account is still open however Ive never had a XXXX 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 2019-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Opened a MMA Savings account with BBVA based on a promotion advertised on XXXX XXXX in XX/XX/2019. The account was supposed to carry a 2.5 % APY and a {$100.00} bonus if I funded it with $ XXXX within a specified timeframe. After opening the account, I noted the rate was only 2.0 %. I called and questioned why I didn't get the 2.5 % APY promised and was told that I opened the account through the BBVA web site rather than through a link on the XXXX XXXX site, so the promotional offer would not be honored. I asked that the account be closed and my funding balance of $ XXXX be returned. I was told that new accounts don't allow for that size of a transfer out, so I'd have to initiate the transfer from another bank to pull the funds from BBVA. I did so and drew the account balance down to XXXX with the expectation that the account would then be closed. After having withdrawn all the funds from the account, I received an interest credit of {$7.00} for the few weeks my funds had been on deposit, and figured it would just be easier to let them keep the {$7.00} than to try and get it back. Shortly thereafter they charged me with a $ 15 monthly account fee because my balance was below the minimum balance to avoid the fee, and they wouldn't close the account until I paid the {$8.00} overdraft balance on the account ( {$7.00} interest earned less {$15.00} account fee put the account into an {$8.00} overdrawn balance ). I refused to pay the {$8.00} overdraft because I had instructed them to close the account before the fee was assessed, and they failed to do so. They have assessed another {$15.00} fee this month, so the account is now overdrawn by {$23.00}. I called again, same answer, they won't close the account unless I pay the {$23.00} overdraft. I believe they violated UDAPP when they didn't give me the rate advertised on XXXX XXXX, and further have been refusing to close my account so they can continue to assess a {$15.00} fee indefinitely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I tried sending money to my friend XXXX XXXX through Chase Quick Pay with XXXX as he was travelling abroad and urgently needed money to cover some bills. 
On XX/XX/XXXX I sent {$2000.00} to his registered XXXX mobile number ending XXXX, XXXX transaction # XXXX from my Chase checking account # ending in XXXX. Since he did not recieve the money into his XXXX XXXX XXXX Account, I tried sending {$2.00} on XX/XX/XXXX to the same number, XXXX transaction XXXX but he did not receive that as well. He checked his online banking account at XXXX  XXXX XXXX, but he did not see the deposits. He was unable to verify with XXXX  XXXX XXXX until XX/XX/XXXX as he was travelling. On his return on XX/XX/XXXX he called XXXX XXXX XXXX and they indicated that they did not receive the money. Also we realized his XXXX XXXX XXXX XXXX account was registered with his email address and not his phone number. He immediately registered his mobile phone number ending XXXX to his XXXX  XXXX XXXX XXXX profile. He was successfully able to register the number and I also sent him {$1.00} through Chase Quick pay on XXXX which he successfully received. But there was no trace of {$2000.00} and {$2.00} transfers that were made to him. Per Chase Quick Pay XXXX guidance, if money is sent to an unregistered mobile number and is not claimed in 14 days it should be credited back to the sender ( my ) account, but that never happened. I called XXXX as well to help me with this issue and they directed me to Chase Bank, indicating that since the transfer was done through Chase mobile app, they have no responsibility. I filed a claim with Chase on XXXX ( Claim # XXXX ) to investigate and they responded back to say that the transaction was authorized and processed correctly and that no adjustment would be made to my account. There is no explanation as to where the money went. I am out {$2000.00} with neither Chase Bank nor XXXX being able to explain what happened to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Amazon use my card without my authorization it used a credit balance to may payment s resorting up my credit balance and causing m the card to go over the and I goy charged for and that was reported the credit reporting company 's when I didn't use the card for that purpose resorting in the card being cancered for the store unauthorized conduct which I just learned what took place made monthly payment per my state and emailed amount bills they got to payment plus one from my credit balance which again was not authorized by.

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 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
stop payment from my bank on XXXX for cashnetusa. On XXXX the debit my account for the {$190.00}. Went to XXXX XXXX XXXX and ask the cashier why did it go through she said they used a different number than the one I stop payment on. She said there nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
My mortgage loan was sold to this company during the XX/XX/XXXX - XX/XX/2018 timeframe. I was notified of the transfer and told that SN Servicing Corp would officially take over as of XX/XX/2018. 

During the transfer process, I was immediately confused as to when my next payment was due because I was already informed that money was still being processed from the old servicer ( XXXX XXXX XXXX ). In XX/XX/2018, there were 3 payments made : one from XXXX XXXX XXXX ( {$920.00} ), one from me ( {$870.00} ) and one from Rushmore Loan Services for ( {$460.00} ). I even  called/emailed the company for clarification - never received a response to my email and was given misleading information during the phone call. 

Technically, this should have been payments for both XX/XX/XXXX and XX/XX/XXXX, however, only one payment was created ( posted ) in timely fashion and ultimately when I made my next payment in XX/XX/XXXX for the amount of {$870.00}, this was incorrectly considered a " late '' payment for XX/XX/2018, when it should have been an on time payment for XX/XX/2018. 

Needless to say, I am convinced that much of my account history with SN Servicing is flawed, resulting in a cascading effect on my history. I have requested a forensic audit ( line-for-line ) from SN Servicing Corp and they refuse to be cooperative. I am concerned because they have a D- Rating with the XX/XX/XXXX and have several complaints filed against them for similar claims, most of which involve fraudulent activity with their servicing of loans. I believe some of my late payments are the direct result of inaccurate accounting, as well as poor communication, inexplicable fees and other intentionally misleading accounting practices, which I'm sure violate regulations. When I made attempts to bring my account current, I was also misled by Customer Service that additional payments would help bring me current, when ( in fact ) some of them simply got put towards principle in error. 

I am requesting an investigative audit of my account. As a result of their handling of my entire transaction history, my wife and I have been declined for a mortgage based on this one company 's accounting, even though the rest of our credit profile ( and payment history ) is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I purchased a used vehicle from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) in the last couple weeks. There appears to be only minor issues with the vehicle ... rather, my complaint is in regards to their handling of my financial situation as it relates to the purchase. Here is a bullet point list of issues as they stand as of this writing : ( details in contract attached ) * The finance guy, XXXX XXXX, said " Oh, and the warranty is included '', however, after having been rushed through the paperwork, I reviewed it upon finalization and it is NOT included, it was added on ... over {$2000.00}. 

* XXXX XXXX also added roadside service, at my expense. ( both this and the above are OPTIONAL and I was not properly informed of them being added let alone given the option to select or decline. 

* The agreement between myself and XXXX XXXX ( salesman ) and his manager ( XXXX XXXX  last ) that I could take possession of the vehicle and pay the down payment of {$620.00} by XX/XX/2019. Today ( XXXX ) I discovered a withdrawal from my checking account for {$310.00} that I did not authorize! 

I phoned XXXX XXXX who said he knew nothing of this transaction of # XXXX from my account today, but assumed it was his 'business office ' and they were closed until Monday ( XXXX ) so nothing could be done until then. I told him that was not acceptable, that this needed to be rectified immediately. He said it was impossible. He suggested I speak to the dealership manager and took my name an number and said he'd ( the mgr ) would call me back. As of this moment XXXX XXXX, the dealership is closed and I have yet to receive a call! 
The used car division of XXXX is on the same property as the new dealership, to the west. This location, I believe, is occupied by personnel of the Credit Acceptance company. Thus, I believe they are acting in concert as it certainly seems that XXXX must be well aware and thus condoning, supporting and encouraging the activities of Credit Acceptance.

If I am correct in that the personnel at this location are Credit Acceptance employees, then it is them who added items to my loan without agreement or consent and committed consumer fraud through subprime lending practices. 

The location information I have provided is for the Colorado location in XXXX as I don't know the home office address of Credit Acceptance.

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 2019-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX I have been in touch with XXXX from XXXX. XXXX set me up with a payment arrangement and told me to call when ready to pay. The arrangement date was set for XX/XX/19. About 4 days before the XXXX I contacted XXXX and left a message for a call back but no call back was received. I called again but no answer. I was told to call to do payment Over the phone but none of my calls have been returned. 

I did not want to file a complaint, I just did not know how else to get in contact with the company. 

I was left with only phone number and not a direct email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One 's current TV advertisement is deceptive in that the terms and conditions for opening an account ( i.e. the fine print ) are not legible in that they are written. In white font on light ( gray ) background. This is obviously a UDAAP violation with clear intent.

Company response to consumer: Closed with explanation