vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I set Up autopay with my debit, for some reason USAA stopped the payment. This caused a {$190.00} late fee from my apartments. 

Upon talking to customer service rep, she couldnt tell me why it was stopped. She also said they wont cover the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Domestic Wire Transfer was requested on XX/XX/2020 at XXXX ( PST ). On the same day, I issued 2 additional wire transfer request with 2 different banks other than American Express National Banks. All the other banks guarantee a same day delivery for domestic wire. Only American Express told me it would take them 3 days to send a domestic wire. 3 days!!!! I called customer services later to check on the status 3 hours after the request, and customer services representative told me all they know is that the wire is still in process and there is nothing else they can know. Additionally, i asked if it is possible to add a message to expedite that as it will delay my escrow closing process. They also responded, there is nothing they could do. Lastly, I requested a formal response for my complaints, and they told me they could not guarantee that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX  but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have an unauthorized credit inquiry that needs to be removed open date XXXX XXXX for the amount of 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 2021-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
XXXX and email was sent to my junk folder on XXXX I noticed the email while looking for another correspondence. It stated that a warrant would be issued for my arrest due to the debt owed. My social security number was listing as well as other information. I called the original loan office ( Speedy Cash ) on their fraud line because I believed this debt to already have been paid when I traded in my vehicle. They confirmed this debt was already paid and the email was fraudulent. They told me to report it through your website as well as pay attention to my credit report and bank statements from here forward since the sender had so much of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was loan {$8000.00} from XXXX XXXX and was paying them {$370.00} a month for more than a year, I got sick and had to have XXXX XXXX. they sold my loan to ( LVNV FUNDING LLC ) for the amount of {$8100.00}. What I had them all that time could not have been all interest payment.I like to know what happen to the money I paid XXXX.And why did they sell more than was borrowed. What happen to the Money that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Submitted unauthorized inquires they never gave the requested documentation to substantiate the verification they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried several times to get remove or verified but they refuse to respond to the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible

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 2021-03-08 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: NJ

Complaint narrative:
I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX joined our debt management company in XXXX of XXXX. Proposals were sent on XXXX and XX/XX/XXXX and no reply was received and each time we called the representative requested we resubmit the proposal and gave us a run around. This added unnecessary months of fees and interest to my account. This account felt past due at no fault of her own. We are requesting : 1- correctany negative reporting that was a result of failure to notify client 2- refund client fees charged as result of that error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Company has sought civil action but they seem to not respond when I try contacting them about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I made my mortgage payment for XX/XX/2020 on their website having their agent walk me through it. I was told at that time setting up automatic payments would commence XX/XX/2020. What ended up happening was the automatic payments started right away in XXXX, so they took 2 payments instead of one for XXXX, and another automatic one for XXXX. I have called numerous times ( 7 or more ) and been promised a check is in the mail. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Data and Contact Management Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. Equifax and XXXX claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX investigated and removed XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX collection accounts that did not belong to me. I even sent proof to XXXX  and Equifax that the accounts were properly investigated and deleted by transunion. Furthermore, I sent letters to Equifax and XXXX on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have disputed this account twice through XXXX, twice through XXXX XXXX, twice through Sequim Assests ( the collection agency ) and twice through XXXX XXXX XXXX which is the company that created the debt. When I spoke to XXXX XXXX XXXX in XXXX they opened a case and confirmed that the money was not owed and closed the account. I followed up with both the debt collector and XXXX XXXX.. it has been over 60 days and the dispute was still open even though this was an invalid collection account on my report. I again reached out to XXXX XXXX XXXX where they confirmed a SECOND time that the money was not owed. This account caused my credit to Drop by over 50 points and it was put on my account in error. Everyone I talk to sends me to someone different. I was under the impression if you put in a dispute and no response is received within 30 days from the collector wthen the account legally has to be closed. I am upset because it has been over 2 months and it is still not resolved. This is unfair for people like me who are working very hard to try to increase my credit score for home buying options

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: WV

Complaint narrative:
CACI first contacted me by phone on XXXX XX/XX/2021. They have not sent me any correspondence of validation by mail since that first contact. I sent them a certified signature return letter via USPS requesting a debt validation be sent to me which CACI signed for and received on XXXX XX/XX/2021 stating they need to cease their efforts of contacting me until I receive debt validation so that I could be fully informed. now 38 days later I have yet to receive the debt validation that I requested from CACI and they have continued to harass me by phone daily and sometimes multiple times a day, violating the fair collection practices numerous times. 

XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX XXXX received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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