vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Harbor Legal Group, LLC
State: MD

Complaint narrative:
My debts totaled a bit over {$110000.00} when I entered the program XX/XX/XXXX. The lure of the company ( Harbor Legal Group, or HLG ) was that their program could save me 50 % or more of my debt load. My responsibility was to make regular monthly payments of an amount they calculated, which would pay off my debts at the end of 52 months ( the programs duration ). The 52 monthly paymentspaid without fail month after monthtotaled {$73000.00}. BUT, this {$73000.00} only paid 19 debts that totaled about{$84000.00}, which is about 87 % ( not 50 % ) of those 19 debts and has left me with 8 unpaid debts that total  {$33000.00}! The regaining of a decent credit status I was assured the program would bring me at its completion is unrealized and my credit score is as bad as or worse than at its inception.

I had a total of 27* creditors when I entered the program. The {$73000.00} I paid has settled 19 debts. Eight debts ( almost a third of the total ) have not been settled ; these eight creditors comprise my remaining indebtedness of {$33000.00}. *Another creditor ( a 28th ) seized money from my bank account to settle my debt with them in full before agreeing to a settlement via HLG. 

My monthly payments were taken automatically from a personal bank account beginning XX/XX/XXXX. Of the {$73000.00} I paid into the program over 52 months, {$49000.00} went to my creditors. This means that the company itself ( HLG ) netted about {$24000.00} while leaving me with {$33000.00} in unpaid debts. 

In a phone conversation XX/XX/XXXX with an HLG representative, I was assured that negotiations would be continuing with the remaining eight creditors and the money I had paid into the program ( {$73000.00} ) would cover those 8 remaining debts. HLG had informed me that they have recordings of all calls on file, so this can be readily verified ( assuming the recording is not edited or erased ). However, in subsequent conversations with HLG representatives this past XXXX, XXXX, I was told that these 8 debts that total {$33000.00} were not covered by what I paid into the program and was therefore my remaining burden. The HLG rep. of XX/XX/XXXX had given me misinformation.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX or XX/XX/XXXX I called Kohls to discussed a closed account and possible getting a settlement offer with the ability to make monthly payments. The agent that I spoke to was able to provide me with a settled offer of {$190.00} making 6 monthly payments of {$32.00} which I accepted as it was what I could afford. The amount of the acct was {$380.00}. The agent then advise me that I would need to make a payment of {$32.00} by XX/XX/XXXX which I did. I even asked him if I could make the payment in the store that Friday evening which he advise he is not certain but I can try. I then tried but the acct was not in store so I ended up sending a money order. On XX/XX/XXXX I got a email advising that my account was changed so I was confused as to what was happening so I called the number provided in the email only for the agent to tell me that I settled for {$230.00} and would only be allowed to make 2 separate payments. I then told her that I already set up arrangement on this account only for her to tell me that they have no notes of this ever happening and that I did not call to do so and I will have to pay the {$230.00} no matter what. Is this even legal to go back on your word and if your calls are even being recorded why would this changed with no explanation of why and then make it looks like I am lying and did not make contact with the office? I then asked to speak with a supervisor and at this point was transfer to some collection agency called XXXX XXXX apparently after they saw my settlement with the agent they went ahead and wrote it off and send it to the collection agency which this is not fair or even ethically right. the account was transferred almost a whole 10 days later. I know these calls are recorded can we have them listen to the calls as I know I spoke to someone at the Kohls office. I never had any interaction with this XXXX XXXX office until XX/XX/XXXX so of course when they look into their notes they would not see any communication. I was asked to send a letter requesting investigation but how can I send a request to investigate when I did not spoke to anyone in XXXX until XX/XX/XXXX? I am writing this as I need help in resolving this with Kohls. it is not fair to offer something and then said whoops sorry you have to deal with the collection agency as our offer apparently is not valid or we did not record it so it is not considered legal. I don't know what you can do but any help is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: FL

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I initiated a mortgage process with AmeriSave Mortgage Corporation and had my home appraised. AmeriSave failed to provide me with a copy of the Appraisal of the property which I paid for. Despite repeated attempts to obtain the document from their representative, I was ignored, strung-along, and ultimately had to abandon my effort. It is my understanding that AmeriSave is required to share a real estate appraisal with a home owner when they initiate a refinance process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Mobiloans, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I received an email from XXXX XXXX XXXX XXXX XXXX monitoring services, notifying me that a financial company requested credit information from XXXX on XX/XX/2019. 

The financial company identified as MOBILOANS LLC, without my knowledge ran my credit report causing a hard inquiry dropping my credit score which Im currently rebuilding. 

I emailed MOBILOANS customer service support requesting a letter of deletion and to provide me the information I requested and did not receive any call backs nor an email about the credit inquiry.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: SC

Complaint narrative:
I have been a long time customer of Volvo and Volvo Financial Services over the last six ( 6 ) years and three ( 3 ) vehicles. During that time, I have never had a late payment or negative mark of any kind on my credit. However, when upgrading my lease from my second lease to my third lease, Volvo Financial did not update my current Volvo Financial portal account as it had done in the past. This meant that my auto-pay settings from which all of my previous payments were made never rolled into the new lease ( as had been done in the past ) and the automated payments that I had relied upon in the past were not made. As a result, no payments were submitted for two months which lead to a 30-60 day non-payment event on my credit report. In addition, no attempt was made to contact me in order to let me know that the third lease was behind in payment. It was only when I tried logging into my Volvo Financial Portal account did I realize that my original account was deactivated and I would need to register a new account for the new lease ( a step that I did not have to take in my previous two leases ). Once I registered for a new account, only then did I see that my account was two ( 2 ) months past due. Upon realization, I immediately paid the outstanding amount and set up a new auto-pay. This new requirement for creating an entirely new Volvo Financial Portal account for each lease was not made known to me until it was too late. In fact, when I spoke to my Volvo Dealer at the time of the third lease, he told me that I would NOT have to update my Volvo Financial Portal account. I followed up with him after learning this and he and his team were completely unaware of this new requirement. Volvo Financial has been a wonderful leasing company and this situation does not change that opinion. I realize that I represent a bit of an edge case ( three sequential leases ), but still believe that I shouldn't be held responsible for a change in their technology platform impacting an auto-pay function that was set up and working for the first two leases. Hopefully, this story helps anyone working with Volvo or a customer of Volvo Financial avoid this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX statement credit bal of XXXX was because this bank if you have autopay and have XXXX bal still takes auto pay from your ckg account. Called them they sent a ck for XXXX and also credoted my account which of course made me have bal ofvXXXX om my acct. Then my autopay was cancelled by me in XX/XX/XXXX when i found this out this basically was all goofed up so i thought i didnt have a balance was on vacation for 20ndays when i gotnhome i tried to straighten this out over phone pd bal plus late fee now they have reduced my avalable credit down to XXXX . Very unhappy with this bank and how they reduced my credit down to XXXX. And have 2 late pymnts on my record because of this mess. They sent me ck and credited my account, didnt they know this happened in their records.

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 2019-10-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This agency has refused to provide documentation of the so called defaulted loan. They continue to report inaccurate and false information about a debt that does not exist. They have violated my rights as they continue to garnish my wages without ever submitting adequate documentation to support their claim nor was I ever offered an opportunity to dispute the debt. They immediately began to take my wages for debt that I do not owe. The data that is listed on their website about this apparent debt doesnt even make sense. After several recorded conversations two reps have admitted that they cant send documents that dont exist.They continue to violate my rights and steal my wages.

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 2019-10-28 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: WI

Complaint narrative:
I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they could remove these accounts from my credit report 1. XXXX XXXX acct # XXXX 2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 4. XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is misdirecting overpayments of my student loans. As I understand, for federal student loans, it is required that any extra payment goes first to outstanding fees, then to interest accrued since my last payment, and then to the principal of the loan. I have two loans with them ( subsidized and unsubsidized ). My monthly payments are made on time with extra towards principal each time. Their online platform provides two options to make a prepayment, direct an overpayment and specify for each loan. Each time I request that an overpayment be directed to one of the two loans using either option for prepayments, Navient ignores the request ( even though the monthly payment is paid in full ) and divides the prepayment equally among both loans. It is my preference to pay loan XXXX   consolidation off before the loan XXXX. My attempts to speak with Navient brought me to customer service people who were unhelpful and would not take my compliant over the phone. The misappropriation of payment has been consistent for at least the past 12 months. If the payment requests had been appropriated correctly the balance of the XXXX student loan would be close to paid in full leaving me with half the payment I am currently making. By offering the ability to direct payments and then not honoring the directed overpayments is nothing more than deceptive and unfair. If Navient considers this one loan then they will likely force me to get a payoff letter for XXXX and just move the balance to credit cards which do not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services continues to furnish information on credit file. During the time of service, I was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EVER SINCE EQUIFAX DATA BREACH I AM UNABLE TO USE EQUIFAX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE XXXX ID XXXX , WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents. 
I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX   and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX  and XXXX XXXX. 
I XXXX what this could possibly be for as I know of no unpaid debts. 
This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source. 
Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages. 
We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Made several attempts to resolve with Southwest Credit Systems. During the time of services, I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EVER SINCE XXXX DATA BREACH I AM UNABLE TO USE XXXX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE EXPERIAN ID XXXX XXXX WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EVER SINCE XXXX & EQUIFAX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX IN MONITORING SERVICES..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Company : GM Financial Date : XX/XX/2019 ( Date of Notice0 Issue : Negative reporting to credit agencies Summary : GM Financial company reported one time 30 days of delinquency on my car loan payment. I had auto-payment set up for this account, hence I was under impression that the payments were being made in a timely matter. I received a notice from GM Financial in writing without any prior phone call nor notice in XXXX. Upon receiving a notice, I took care of the late payments right away and have asked my bank to look into the auto-pay system. I have asked the company to remove any negative reporting on my credit score, but they stated this issue should be resolved with the credit bureau. The GM Financial acknowledged electronic mistakes from both sides and waived late payment fees. I am writing to request the Consumer Financial Protection Bureau to remove this one-time negative report on my account. Thank you very much and please do not contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CA

Complaint narrative:
I submitted to Equifax a list of accounts that i want to dispute. After numerous weeks I get a letter attached stating that they need to verify my identification even though I have logged on their website and downloaded my credit report and was able to see the inaccurate credit lines on my report. I always have an issue with Equifax response to an issue and pulling my report. I am requesting equifax immediately respond to my request or remove the inaccurate and bogus accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/2019, at XXXX XXXX, I placed an order for two doors from XXXX XXXX XXXX, Receipt XXXX. Sales person XXXX XXXX On XX/XX/2019, I cancelled the doors after discovering that the order only contained 1 door when I thought I had ordered two doors. I immediately notified XXXX and Elan Financial Services of the charge. They gave me an immediate credit but then applied the amount back to my card 30 days later stating that I had the merchandise. Obviously the salesperson cancelled the doors because they were never sent. Thus, I never received the merchandise and Elan Services for XXXX XXXX XXXX  refuses to give me credit for the {$660.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account with CCB/XXXX  has been paid and closed but it is reporting with new late payments from XX/XX/2019 & XX/XX/2019. This information is incorrect. I have disputed this inaccurate information with the credit bureaus and creditor.

Company response to consumer: Closed with non-monetary relief