vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over the XXXX holiday my Amex Serve card was hacked. I lost a total of {$250.00} since my debit card was linked to this serve card the hackers were able to transfer {$110.00} dollars to the serve card. I had my card in possession. I received a text from my bank of unusual activity so I checked my emails. I got a string of Amex Serve card confirmation emails which I did not authorize. I've never used my Serve card until I made a purchase at a XXXX after that transaction it snowballed from there. I called Amex Serve to report it my account information was changed they gave me a number to call the next morning to the Fraud department a claim was filed. After a week or so I received the determination of the investigation to be generic valid authorized transactions. I call backed customer service to complain after another week I received the same answer from the first investigation. In order for me to get the information what concluded the determination to be valid I need to write a letter to the company. I ended up closing my account out of frustration. Now my account has a negative balance of a {$100.00} in fees. As soon as I received the alert from my bank the next day I called ordered a replacement card and filed a dispute. On the Amex Serve end I was speaking with a customer service representative which I had to change my email address and password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Back in XXXX this item appeared on my credit report from Navy Federal CU, Stating there is creditcard limit for $ XXXX and a balance of XXXX. i disputed this item to the credit bureaus stating this is not mine, Meanwhile, the item was moved for a few years or so and now as of XX/XX/XXXX it shows  up again on my XXXX  file. Once again i disputed this item and got a response from XXXX   stating its verified via Navy Federal CU and will remain on the file. So i contacted Navy Federal CU Fraud Dept and spoke with XXXX requested the original contract or application with my signature and XXXX said they are not allowed you must submit a subpeona in order to get the orignal contract with signatures. Then i back to XXXX  Dispute dept and requested they get proof with my signatures, the FRCA allows the credit bureaus up to 35 business days to respond and experian responded within the time frame but was not able to provide evidence.i contacted Navy fraud dept once again and they had me to filled out a Security Appeal Form which i will provide to you all, i also received a letter dating XX/XX/XXXX, stating the info is reporting accurately. i am a two time victim of identity theft. I also file a police report and gave it to the credit bureaus. I am not a member of Navy federal CU or never serve in the military. I am filing a complaint because this info is reporting inaccurately and Navy will not allow me to investigate this matter regards to my signature or ID. I am requesting this item be removed from my XXXX  credit file. This is been going for some time now. Your help is greatly appreciated Thank you Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: GA

Complaint narrative:
On XX/XX/2020, I applied for an online equity loan via Figure Loans. Figure gives an address as XXXX XXXX XXXX. in XXXX XXXX, CA. The process sounded easy, and Figure does not require appraisal. Instead, they base your home value on XXXX estimate, which was XXXX for my home. After submitting my information, Figure declined my loan request, mainly because of my home value. They valued my home at XXXX. I called and a supervisor gave me a convoluted explanation that did not explain the difference in value. I think this is a scam to collect personal information, and ding your credit with an inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Follows is copy of a complaint filed on the website of the creditor XXXX/Firstmark == XXXX XX/XX/2020 I seem to recall seeing verbiage on the website says something to the effect of " being committed to making loan repayment as easy as possible. '' Following is a accounting of an failed attempt to pay a debt in full using a valid instrument. 

Proceeds to pay-off my loan were secured and transmitted to XXXX/Firstmark with supporting documentation. The payment was confirmed as received by XXXX/Firstmark, and a confirmation number received. After several days, the account showed " Payment Reversed. '' I conducted several individual phone-calls to the issuer of the funds ( XXXX XXXX ) and to XXXX/Firstmark, as well as a conference-call including representatives of both these entities wherein receipt of the funds and validity of the submitted instrument were verified. Representatives of both entities acknowledged ( on a recorded line ) that i had committed no transactional error. At the conclusion of these communications, XXXX/Firstmark failed to receive the payment and settle the debt. 

If i committed no error, and the instrument used to repay the debt was verified as valid, i can only conclude that it is a failure of XXXX/Firstmark to live to its creed. XXXX/Firstmark 's relation to Nelnet is particularly noisome to me, and emphasizes XXXX/Firstmark 's its failure to " walk its talk. '' Please be advised that copy of this complaint will be forwarded to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX answers to CFPB USAA says I knew I recieved goods. They defamed me to XXXX  that I am a crook. They alleged I Reporded Fraud to steal funds. USAA needs to view their own statement XX/XX/XXXX. See attarched. There are No Adjustment Purchases Credits to begin an investigation. There are only Merchants Credits. My balance was zero. Two merchants credirs totalling {$340.00} applied. No temporary credits from USAA no Permanet Credits from USAA. CLEARLY I DID NOT REPORT FRAUD ON THE XXXX XXXX {$120.00} UNTIL IT APPEARED AS A NEW PURCHASE XX/XX/XXXX. USAA DESTOYED MY CREDIT AND DEFAMED MY GOOD NAME. I have made USAA aware the statements prove they are wrong to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
Today I received notification from my bank that my mortgage loan servicer debited {$1300.00} from my checking account on XX/XX/XXXX. I did not authorize this payment and it is not showing up as a payment on my mortgage loan servicing account. I received no notification that they would me making this debit. I called the mortgage servicer, The Money Source, and they said they would look into it and get back to me by next Wednesday. This is an unacceptably long period of time to wait given that they took money out of my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I received a letter of a debt from Commonwealth financial systems debt collection agency with the original account being from XXXX XXXX XXXX in the amount of XXXX. On XX/XX/XXXX20 I spoke to XXXX XXXX ext. XXXX who represented himself as an account manager. I told him I have medical assistance, did not receive a bill from any XXXX XXXX XXXX network office. I asked him who the debt was for specifically, maybe my children because I have not been to the DR in years, as well as the dates of service, what the service was, who the service was with and any information to help me handle this. I need the original creditor. He said he did not have that information but would would mail what he had. I never received any letter or further phone call with any notification of this information. I currently have medical assistance through the state and I need to submit this information through them to get the any alleged debt settled. On XX/XX/XXXX20 I received notification through XXXX that this is currently on my credit report as a collection account and negatively affecting my loan options status. They did not even wait the 30 days for me to respond and request in writing that I dispute the validity before putting this on my credit report file. Upon googling this specific collection agency, it seems there are tons of negative reviews and I am afraid of how they can dramatically affect my credit score. I am attaching the first notice I ever received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
This debt was charged off in XXXX and included in bankruptcy in XXXX. There is no way this debt is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: MO

Complaint narrative:
I was a customer with Freedom Debt Relief ( FDR ) from XXXX XXXX XXXX, XXXX. My payment to them for the 18 months I was a customer was {$280.00} per month. I made 2 additional payments of {$300.00} in XX/XX/XXXX and {$1600.00} in XX/XX/XXXX. FDR also collected monthly fees from me each month in the amount of {$21.00}. The total funds they collected from me in the amount of time I was a customer was {$6800.00}. 

My complaint is that out of all the deposits I made, totaling {$6800.00}, FDR only paid {$550.00} towards my credit cards. A total of 2 settlements were made on my behalf yet they charged me for 6 settlements. One of those 6 settlements was debited to my account on XX/XX/XXXX, AFTER I was no longer even a customer. 

I was told when I signed up for services if I paid any monies in addition to deposit of {$280.00} per month, that my credit card debt would be paid down faster thus expediting my graduation date. This did not happen. All the extra deposits I made into my FDR account was absorbed by FDR for settlement fees. 

Also, statements indicate a payment towards XXXX XXXX of {$270.00} for 7 months, but this does not reflect anywhere on my FDR Dashboard online. I attempted to print information from my FDR Dashboard but settings for the FDR website prevented me from doing so. I was able to screenshot this information, however and will attach with my other documentation of evidence. The dashboard information indicates only 1 payment was made towards my XXXX card of {$540.00} and 7 payments were made towards my XXXX XXXX card of $ XXXX says nothing about the other payments which are listed in my statements. 

In XXXX or XXXX of XXXX, when I spoke with a representative on the phone about making an extra payment to get my debt paid down so I could clear up my credit faster, he explained to me that the extra funds would be placed into my account and eventually put towards my credit card debt. Not one time did he reveal to me that if I put an extra {$1600.00} the TOTAL amount would be used as FEES to pay FDR themselves. If I was told this information I would have used this money to pay bills and not given it to FDR. I'm sure the call was probably recordedplease refer to this phone call. 

In early XXXX when I fired FDR, the company made to attempts to SEEMINGLY want to speak to me to resolve this matter, however when I went to respond to their 2 emails ( one to my personal email and one to my XXXX account ), I did not get a response and I was blocked from responding on XXXX. At the end of XXXX, I sent a certified letter to the company asking them to work with me to resolve this matter and again, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santandar Consumer calls my cell phone a minimum of 5 times a day. They call from different numbers and many times leave voicemails that are incoherent. Last time I spoke with them on XX/XX/XXXX, it was discovered that 2 months worth of payments that I in fact paid, were incorrectly recorded as default according to Santandar. I supplied the company with my bank statement, confirmation number and photographs of the electronic check. The second error they were/ are harassing me over is the initial payment on the loan. I explained as they well know that my first payment, as is fairly standard, was to be paid by XXXX, the vendor. I supplied them with the salespersons information, and reminded them they have the contract on file. Yet, they continue to call every 20 minutes every day, weekends included. 
Furthermore Santandar sent me a letter threatening to repose my vehicle on XX/XX/XXXX, XXXX XXXX. If I did not immediately pay them XXXX, the money they falsely believe I owe. 
In addition the interest rate and the absurd late payment policy has me trapped in a loan that will not allow me to pay down any principle whatsoever. They charge XXXX sometimes XXXX dollars for being even a day late. The interest rate coupled with this crippling policy has resulted in a years worth of payments with XXXX dollars to principal. I am losing money every month on the value of this car and no one will work to refinance with me because they have created such an unworkable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: IN

Complaint narrative:
I get 3 spam calls a day, every week, except weekends. This has been happening for years. It is a Robocaller, asking for a debt to be paid under someone else 's name. They never answer when you call back to tell them to stop. 

I have blocked the number, but I can still see in my call history that they have attempted to call. I've been part of the Do Not Call list for years. 

This is the list of the times and dates that I received calls in just a week- there is more, but I've only added a week for the sake of this complaint : XX/XX/2020 - XXXX, XXXX, and XXXX. 

XX/XX/2020 - XXXX, XXXX, and XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX ( I've attached a screenshot of my call history to this complaint )

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 2020-02-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I requested my free annual credit reports from the three main credit bureaus via a toll-free telephone number of ( XXXX ) XXXX. I was informed that all three reports would be processed and mailed within 15 days. XXXX  provided my report within a week and XXXX  sent me a written request for some additional identifying information. Equifax never responded. On XXXX XXXX, 2020 I telephoned a number of toll-free numbers to try and reach a responsible party at Equifax. At ( XXXX ) XXXX I first spoke with " XXXX '' who was very rude and inept. She kept interrupting me and I had to tell her three times that I was calling about the toll-free telephone number request of XXXX. She kept asking me if I made the request online. I next spoke to " XXXX '' who claimed to be a supervisor. XXXX obtained several pieces of my personal information and then said their system needed more information. He did not specify which information but was insistent that I fax whatever it was to Equifax. I do not have a fax. I asked and insisted several times that Equifax request such information in writing. XXXX could not confirm that Equifax had ever done so and said he would not ( could not ) do it and would not try to locate anyone who could/would. Equifax is not exactly a poster child for security or customer service. Sending any personal information to them is a risk -- particularly without a documented paper trail that they have requested such. I don't know who XXXX is or if that is even his correct name. He refused to put me in touch with his manger and I doubt his veracity and competence. Without something in writing from Equifax, they could easily say they never requested certain information, they never wanted or needed it ; or that I was making a second request and try to charge me for a free report. They could eventually send me two separate reports and try to charge me for one or both. Equifax has not responded to my request for the free annual credit report. They did nothing until I was forced to follow-up and then they refused to document their alleged procedures in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Beneficial Mortgage Co. and XXXX  XXXX  XXXX. were subsidiaries of HSBC Finance Corporation and organized in the State of Delaware. It appears that Beneficial, HFC companies, and HSBC Credit Centers have closed their consumer finance businesses in the United States. In 2008 a lien was place on my home in the amount of XXXX. Home address XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX county. The loan was paid in full and the loan company closed due to being a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-06 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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