vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I tried to get my free credit report from Equifax, I provided all my information needed and I got an error stating that the Information I provided did not matched their records. So, I opted to pay a {$19.00} subscription for Equifax Complete Family Plan and provided the same information used for my free credit report and this time it matched their system ( weird don't you think? ). So, after paying and setting up my account I was able to access my credit report # XXXX and I noticed some name variations and a negative late payment which I wanted to disputed and selected the option to submit a dispute online. However, I was taken to another website that required me to answer some question to validate that I was who I said I was ( after paying and having access to my credit already ), so I answered all the questions and after being " Validated '' I was given the option to upload the required documentation to support my disputes and I uploaded my VA DL and my US Passport card scan an to my surprise when I clicked submit, I got another error saying " The information you provided does not match our records, please submit your dispute using a web form '', so I tried using the web form but this option did not had the option to dispute the name variations nor the late payment listed on my report. So, I called XXXX today at XXXX and spoke with at least 5 people who did not know what the problem was and the only thing they offer was to place the disputes on by behalf, so I did placed the disputes over the phone after validating ( again ) that I was who I said I was. Now, the problem is that I'm paying {$19.00} for a product that dont work as expected and the vendor ( Equifax ) support personnel told they do not have a team that can assist me on figuring out why in that world I can't use the " online dispute '' option available on my account. So, it seems to me they are using predatory methods to lead consumers to pay for getting their credit reports and to pay for access to a web system that does not works as expected. 

All I'm trying to do is to get my stuff right and I wanted to upload my personal documents to help them expedite the disputes. 

Is this something you can help me correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. 

I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. 

At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. 

I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. 

This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is in response to complaint XXXX. Equifax is being disingenuous. I sent them credible evidence which was actually the cover page of their credit report and their letter and they STILL HAVE NOT SENT ME A CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was notified of a missed payment that was paid. This was in XXXX of 2016, I explained that I did not think I was behind and made another payment to make sure. Ever since then it has showed a missed payment when they were paid accordingly. My payment status on this loan is perfect and always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX, Convergent Outsourcing is blatantly reporting to credit bureaus false information about a debt I do not owe to XXXX that dates back to 2013. Account was closed and no monies are due.

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 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
It happened while I was assigned in XXXX XXXX Kentucky XX/XX/2014.. They called my workplace which I never authorized them to call. They spoke to my staff and said they need to speak to me. I spoke to the collectors and I was shocked that how could they call my work place and how did they found out my number. They began talking to me and I told them I was having marital issues and affected my payments. So the Navy federal deb collector threatened my if I dont pay that they will contact my XXXX   as a result I will get fired from my job and lose my XXXX XXXX XXXX.. They continue calling numerous times and keep harassing me.. As a result I feared for my job daily and affected my work performance.. I was not able to compete for XXXX XXXX.. Navy Federal Credit Union has repeatedly harass me almost weekly that I suffered from emotional distress and fearful for my career and my family..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount. 

In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report. 

I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''. 

I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been fighting this battle with the Credit Reporting entities for decades ; and they and the financial institutions have been literally KILLING small business ; even when they get away with huge losses like nothing. 
I started with an XXXX in XX/XX/XXXX, was a XXXX XXXX  with XXXX New York in XXXX ; and XXXX   XXXX XXXX XXXX of dollars for XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) in 24 companies in 16 countries on All Continents. 
I had my own businesses since XXXX ; XXXX XXXX XXXX in the mid XXXX ; and have invested over XXXX XXXX so far ; and I owe very little to anyone. 
For the last three years, I was unable to even get a Home Equity Line Of Credit to move forward on the proprietary New Model for plastics recycling. 
This is really tragic, and my credit score keeps getting lower due my effort to try to secure some funding. 
In XXXX, I started with a {$200000.00} SBA-guaranteed loan ; which grew to {$500000.00} in about a year ; and was fully prepaid in XXXX. That never get on my record. Only very minor negatives are focused on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN. 

This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.

One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery. 

It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents. 
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file. 

What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide. 
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar. 

I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF. 

This is hard evidence of using fraud and/or deception to obtain my funds. 
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX//18, I put a deposit down on a wedding dress for my daughter at XXXX XXXX in XXXX XXXX PA. The amount was {$350.00}. The bridal shop closed their business down and refused to let me pickup the dress and refused to refund my deposit. I reported this to Bancorp and filed a dispute on XX/XX/XXXX. Bancorp refuses to give me any information on the status of my claim, or they say that the investigation is ongoing, or that they have to contact the merchant, and they continue to change the date that the dispute investigation will be complete. I have explained over and over that this merchant is no longer in business and they are not reachable. I provided Bancorp with all requested information and they continue to play games with completing this. Today when I called for an update, the first agent in claims told me a decision would be made by XX/XX/XXXX. When I asked to speak with a supervisor, she said it wouldnt be until XX/XX/XXXX. It is absolutely ridiculous that this merchant has been allowed to fraudulently keep my funds and not provide a product! I want my money refunded immediately! 
Please help! 
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 2019-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the Citi Wealth Management Act # XXXX on XX/XX/18 under promotion transfer asset over 100K get {$600.00} I did everything I required for that promotion and called many times XXXX since XX/XX/2018 But they are not honor that promotion, I only get XXXX from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/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 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I work in a XXXX XXXX XXXX and I am constantly getting calls after telling them to quit calling my work and me. 
I receive 2 calls on my cell phone and 2 calls at work in the morning and then 2 calls on my cell phone and 2 calls at work in the evening. That is a total of 8 calls  from the same company in the same day and this has happened for the past week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
i received a phone from XXXX XXXX XXXX and they left a voicemail stating they were calling on behalf of XXXX XXXX XXXX. I called backed confused. I spoke with a female representative who was going into detail about the debt owed. I told her she doesn't need to go into anything further this has been taken care of. She proceeded to say she needs proof. I told her I didn't have it and asked if she could call the doctor 's office and she said no. she needs it from me or its going to stay in collections. She proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
Please see the attached letter. 

I have been attempting to get information on MIP from Select Portfolio Servicing since XXXX XXXX. After two months of an " escalated '' issue, they finally opened a " dispute. '' The US Treasury has already taken my Federal Tax Return, and they're getting ready to garnish my wages. 

I needed the information two months ago, and I am getting the run around from Select Portfolio Servicing to get the required documentation to have prevented collection action from HUD. 

I have never disputed that there was an {$8000.00} " silent second '' mortgage that I would need to pay if I ever refinanced or purchased a new home. My dispute is that it is DUE NOW?? 

After receiving a demand letter from HUD, I hired an attorney. It was determined that it was related to the MIP insurance on my " silent second '' mortgage. 

I contacted HUD, and they just said to contact my lender, that they couldn't do anything to help me. My lender was supposedly waiting to hear back from FHA to add the insurance back on, per HUD. Then the government shutdown. They are still allegedly " waiting to hear back from FHA '' even now. 

After inquiring on whether I had met the requirements to drop MIP insurance in XX/XX/XXXX, Select Portfolio Servicing allowed me to do so in XX/XX/XXXX. I had met the requirements of being eligible to drop the {$86.00} per month premium I had paid for 6 years. I had paid down the mortgage on my home to 78 %. 

It was my understanding that SPS had requested and received approval by HUD and/or FHA to cancel the insurance. 

I have requested a copy of the document where HUD or FHA made this approval. I need a copy of my " servicing file '' and they said it needed to be in writing. I e-mailed them on XX/XX/XXXX. Today, she said it had to be MAILED!?!?!?!? WHO APPROVED MY INQUIRY AS TO WHETHER OR NOT I MET ALL THE REQUIREMENTS TO HAVE IT REMOVED?!?!?!?!? 

This is a time sensitive situation. I DO NOT HAVE TIME FOR THIS! Because they have drug their feet for two and a half months, my wages are about to be garnished. 

The resolution would be them sending an immediate digital file TODAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation