vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: MA

Complaint narrative:
To whom it may concern : Please remove this file from my credit report as it was a paid account and no notice was served to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I arranged a payment for my vehicle and the operator assured me that I will not get a late payment reported on my credit report because I completed a promise to pay and set up my account information so that the funds will be taken out of my account and they still reported a 30 day late payment on my credit report I asked them if possible to remove because someone told me from their team that I will not receive a penalty because I set up a promise to pay. They denied to remove the penalty. Ive been calling them for a week and after I provide my information so someone can access my account they hang up the phone on me. Ive been trying for at least a week. My payment was due on XX/XX/XXXX but because I was experiencing financial issues my pay date fell on XX/XX/XXXX which I stated to ally auto which caused my credit score to  drop 78 points I believe. And since XX/XX/XXXX Ive been calling and I havent spoken to a representative from ally auto yet

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 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
Collector calls my job number after asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
On XXXX-19 I was giving a onevanilla ( Incomm ) gift card with the amount of {$200.00} on It. I logged in the website provided on the card to try to find the balance as it was a gift card. The Website showed nothing but the same page. Later that morning I call to find out the balance via 1 800 number. To find out that it was XXXX that 2 purchases was made to the apple on line store of XXXX and of XXXX to the apple on line store on XXXX-19 at XXXX XXXX. I Contacted the one vanilla ( Incomm ) company and they advised contacting XXXX. XXXX can not do nothing about it. One Vanilla has sent me a dispute packet that I have sent back to them several times and saying they are not recieving anything.. Out {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I attempted to make a purchase at XXXX XXXX in XXXX XXXX, CA for {$2900.00}. My card declined the purchase and the transaction was canceled, but my bank statement showed a pending charge. I did not leave the store with the item I intended to buy, nor did any receipts print. XXXX XXXX checked their register and confirmed the purchase was canceled on their end. I called Citi Bank customer service the next day, XX/XX/XXXX, to make sure the pending charge is dropped. They ensured me it would be dropped in the next 10 days but it never did. I had to call back again 10 days later, when I say the charge was put through. I was given a case number and told it would take 90 days for the investigation. There was minimal correspondence from them and when I asked for more information about the case, I did not get any. On my last phone call with Citibank, I was informed that they put temporary funds in my account while the case was being looked at. Apparently, they still needed to hear back from the XXXX XXXX store to move forward, saying they had sent an email. When I contacted the store to move along the process, they had not received any correspondence but assured me that when they heard from Citibank they would informed them that the transaction was not completed. Since I had not heard back from either parties, I assumed the case was resolved, however, on XX/XX/XXXX, I noticed the money was taken out of my Checking. I called a representative and they told me the case was closed an denied. I asked to speak to a manager and was not given any helpful information about how to proceed. This situation has gone on for too long and they did not seem like they were taking the claim seriously. This is a lot of money that they are withholding and I feel as though I have no control in the situation at all.

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband, XXXX XXXX, tried to apply for a charge at XXXX XXXX but was denied. They said he'd get a letter from XXXX XXXX explaining why. He received a letter from XXXX XXXX dated XX/XX/19 stating that his application was denied because TransUnion told them he was deceased. He most certainly is not deceased. I phoned TransUnion about this misinformation provided to XXXX XXXX, but they refused to correct their misinformation. I believe it is TransUnion 's responsibility to correct false information that they have provided to a company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX 2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX credit! They made inquiries for over 30 days attempting to finance my purchase with over 12/14companies some companies twice for the same loan, I accumulated over 22 inquiries for one car loan application!! which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.

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 2019-08-31 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: CA

Complaint narrative:
I have a permanent security freezes on file with Equifax, XXXX, and XXXX. I recently went to unfreeze my files with each company and found that Equifax failed to require the PIN that I used when I initially froze my credit report. Equifax also failed to properly identify me when my credit report was unfrozen. In addition, I was not able to use their phone based service as it could not find my file and was forced to use their online service, which I believe is unsecure. Equifax is failing as a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: NJ

Complaint narrative:
I tried to find out how much I owed Bank of America by calling their phone. They would not give me the amount until I gave them information on my brother & son who have nothing to do with our cards or money. They wanted personal information like where they lived & more. We have always paid on time. I never got the amount owed.

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 2019-08-31 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: MI

Complaint narrative:
I am filing a complaint against Equifax and XXXX XXXX because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with XXXX and Equifax a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but Equifax remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains Equifax and XXXX XXXX  for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing a complaint against XXXX and Huntington Bank because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with Huntington and XXXX a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but XXXX remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains XXXX and Huntington Bank for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: AZ

Complaint narrative:
They are calling family members that do not have anything to do with said debt. They refuse to give any information and are harrassing the family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, my primary bank account where the payments to my Capital One credit card came from was compromised in a fraud attack so the bank transferred my money to a new account. At that time the credit card payment day ( Capital One ) was made and the payment was declined. After 3 days from the new bank account I paid the entire credit card statement. I have always paid the full amount of the card statement. I understand that for that specific month the have to charge me interest and it is ok ; but now Capital One continues to charge me interest on the monthly amounts of my card without my balances having more than 30 days which is unfair if I do not charge balances without paying from one month to another. Today, XX/XX/XXXX, I called to be explained and the supervisor XXXX XXXX tells me that they would continue to charge me for the next 2 cycles for the XX/XX/XXXX delay problem. I told him that it was unfair because if they had told me that I would not have used the card in the coming months. In addition, it is not fair that they charge me interest for amounts that do not take more than 30 days. She told me that on page 2 of the card statement it said that and that is LIE! I read her what she said and that is never mentioned, so she answered that even though it doesn't say it textually there in writing, that's how they execute it. This is totally unfair. I should not pay interest for money that I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every time I attempt to make a payment they charge my account a return check fee. My accounts have the funds and this time they said they got the payment and as a one time courtesy they will return the fee. 

I have never experienced such XXXX service from a CC company It is citi bank

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 2019-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: OR

Complaint narrative:
On XX/XX/19, I called Veterans United to inquire about rates and cost associated with an IRRL on my current VA loan. I received an email wanting me to create an account and e-sign documents. I DID NOT ask for a loan, only information. I believe this to be a deceptive tactic. Below is the item I received in the email. Not once did I tell the person I wanted to begin the loan process, I only wanted rates and costs. XXXX, the representative listed, called me to explain that it was not a loan, but it clearly looks like that is exactly what it is. 


Veterans United Home Loans sent you a document to review and sign. 
REVIEW DOCUMENT Veterans United Home Loans XXXX XXXX, A set of home loan documents is waiting for your eSignatures within your Veterans United account. The documents have been secured in order to protect your personal information. To access your documents click the button labeled 'Review Document ' above. If you have not already set up a username and password for your Veterans United account, you will be prompted to do so. After logging into your Veterans United account, you will see a task to Sign your home loan documents on your To-Do Checklist. Follow the instructions to Sign them electronically. 

Your eSignatures must be completed in order to move forward in the home loan process. If you see any inaccuracies, please contact a member of your loan team before you continue moving forward. You will see corrections appear on future disclosures. 

IMPORTANT NOTE : If no action is taken electronically within 3 days, we are required to send a hard copy via mail. You can still proceed by signing your documents electronically in your Veterans United account after receiving this physical copy. 

Sincerely, XXXX XXXX Residential Mortgage Loan Officer NMLS XXXX XXXX XXXX XXXX Veterans United Home Loans XXXX XXXX XXXX XXXX XXXX , MO XXXX. Mortgage Research Center , LLC. NMLS # XXXX ( XXXX XXXX XXXX ) Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

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 2019-08-31 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: MI

Complaint narrative:
I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. Equifax dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage was a couple months behind in XX/XX/2019 when Nation Star mortgage took over my loan. 
I called them to set up a payment arrangement. I was told that they can't do that, unless I pay the total about do. 
They suggested to apply for modification loan. 
So I agreed and started the process. 
They told me I didn't need my cosigner information because she isn't a contributor to my loan. They keep repeating same issues incomplete application. 
I summited everything I had for me and my partner. 
On XX/XX/2019 I talked to a representative on the phone and emailed her back and forth. 
At the end of XX/XX/XXXX I was served foreclosure papers. The hole time I was being reassured by a representative on this company that I was no where near forclouser. 
I talk to a representative at least one to two times a week. It's been one miscommunications after another. I send repeatedly the papers they ask and repeatedly I get told no right information. I ask to speak to my single point of conduct. Doesn't happen I have not been able to make a single payment on my home all this time. It's now beginning of XX/XX/XXXX and I have had no results or resolution. 
I have asked several supervisors at this company to review my phone calls. I have asked to speak with someone that actually knows what I need to send. 
I have so many documents that I'm not sure exactly to send. 
I have faced alot of documents to them I have expressed mailed paperwork to this company. 
I get told they don't have it. If the papers dont have the account number on every page they throw it away. Or I get told they didn't receive it. 
Where are all these documents then that has my personal information on it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
A XXXX dollar prepaid debit card was purchased for me. The company was Netspend. The card number on original card was XXXX. When trying to " activate card '', I was told I had to switch this over from a temporary gift card to a " prepaid account '' in my name in order for it to work. The prepaid card number is XXXX. Now, when trying to find out the balance and use the card, I was told that I was being charged a monthly fee I was never told about that took my entire XXXX dollar gift I had to begin with. The company scammed me to switch to a product where a fee would get charged so they could basically take my money from me. I was never given the option to us the gift card as it wouldn't even work, which is what prompted me to call when they told me I had to switch to make it work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: MI

Complaint narrative:
I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. XXXX  dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?

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