vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went into XXXX XXXX on XX/XX/XXXX to make a shoe purchase that I was unable to make online as I was having several issues when ordering and the rep advised that I go inside to place on order. When I went in the store did't have the shoes I wanted on hand and the cashier stated she could order them and ship them to me and at that point I paid for the merchandise in store and they stated it would arrive within 2 to 3 business days. After a few days past and I didn't receive the merchandise, I contacted XXXX XXXX to see where the merchandise was and they stated it was shown as delivered. I advised them at the time that I never received the merchandise and they stated that I would need to call XXXX to initiate an investigation which I did. XXXX finished their investigation and stated that they showed it as delivered and left on the porch ( although I previously advised them not to because I had issues like this in the past ) but their was no package to be found. They told me to contact XXXX back and advise them that their investigation was completed and to have them issue a refund or merchandise. I called and requested that they re-send the merchandise and they stated they could only offer a refund and I would need to re-purchase. They initiated the refund for merchandise not received and sent a confirmation email showing that the refund was processed, but after several days of not receiving the refund I contacted Bank of America to start a dispute because I never received the refund they promised. It took 6 months to get a 1st response from BOA stating they were denying it because I went inside the store and made the purchase and they stated that merchandise was obviously received because I made the purchase in store. I then advised BOA, that I did in fact make in in store but never took the merchandise as they had to deliver via online because the stock was not available. At that point they re-investigated the claim with that information and I also forward the the actual email confirmation from XXXX XXXX of the email that was sent to me showing that the return process had been initiated but once again the funds were never disbursed. I received a letter from them again on XX/XX/XXXX stating that because I went inside the store and made the purchase, they were unable to refund my money although I NEVER RECEIVED THIS MERCHANDISE! This is insane, I cant afford to pay for merchandise I never received and I never had or received these items how can I ve held liable for these transactions?? Please investigate this matter and advise me of my options as this whole process seems corrupt and unfair, please help me!

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 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Capital Solutions LLC
State: TX

Complaint narrative:
I received a voicemail on XX/XX/2019 ( transcript attached ) from this company. The message was very vague but tried to imply there was some legal action they were going to make. 

I called the number provided to get more information on the " unresolved business matter '' and they refused to or were unable to provide any information other than I supposedly had a loan they were collecting on. 

I asked for the details about the loan and the lady said it was deposited to a XXXX (? ) bank account. I told her I do not have an account with any bank with that name and she told me sometimes they get the bank information wrong. 

I advised her I do not have any outstanding loans and asked for the name of their compliance officer so I can send over documents disputing the debt. 

She was not able to tell me who the compliance officer was. All they would do is give me a fax number to send anything I wanted to send. 

I sent the attached documents but never heard anything back.

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 2019-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I had a loan with this company in XXXX and it went to collections and it is now on my credit report. I have emailed this company in the past and have sent letters about paying the debt and having it removed from my credit reports. I emailed them again on XX/XX/XXXX 2 different times and the last rep stated to me i was being helped with someone from another department and that i would get a response back. i havent heard anything at all and i want this removed off my report. I stated i would pay what i had remaning but i wanted it to be removed and no one has gotten back to me at all. I have been waiting.I have not gotten any correspondence via email or mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have repeatedly for over a month asked for validation and verification about an item on my credit report. I have sent items via email, fax and online disputes and information over mail. I still have not received any type of confirmation. I want this item to be removed from credit report. I do not have a written signature to pay any amount of money to LVNV Funding. i did not physically sign anything stating i have to pay them any amount. A credit card bill from ANOTHER company is not sufficient evidence of verification or validation for a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called XXXX   XXXX  in XXXX XX/XX/XXXX. My finance company which is XXXX XXXX   financed me for a little over 15,000 $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau Transunion. My payment is due twice a month with the amount of XXXX. $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted Transunion they expressed to me that no credit report was given to them since XXXX of XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company XXXX XXXX they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX I was notify by credit reporting services that I was 30 days late on my mortgage for the month of XXXX. When I contacted the creditor Home Financing Center about this error and how am I 30 days late when we ae only 8 day into the month I was told that this would be correct. As of today the manager XXXX XXXX and Customer Service Rep XXXX that I've been speaking to has been ignoring my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
we applied for a loan through first home mortgage. it was a 203k loan. the initial amount was for XXXX after we closed our loan first home sold the loan to home point financial. we informed home point that we would not require the entire {$190000.00} as we were not giving zoning for the extension/ improvement. we borrowed a total of {$61000.00} dollars from them. we informed them of this and they told us that we have to use the entire {$190000.00}. we repeatedly told them that we were done and all that was needed was the {$61000.00}. they said that they didn't care and we have to use the full amount, and continued to charge us for the {$190000.00} sum. they also told us that we have to use the same contractor for all work even after we informed them that this contractor was no longer in business for personal reasons. we have paid large amounts of money in interest payments and nobody at the bank will speak to us. they just keep hanging up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below PUBLIC FILINGS XXXX   RECORDER OF DEEDS {$3800.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Good afternoon, I am filing a complaint against the LVNV Funding for placing a Bank Account Levy on my husband 's account. This took place on Wednesday, XX/XX/2019. XXXX XXXX stated they had a court order, which I never received any paper work stating I was being sued. I just received in the mail on Saturday, XX/XX/2019 a letter regarding to contact Mr. XXXX XXXX-XXXX to make payment arrangements. This letter was received after Levy was already put on my husband 's account. 

My husband had {$1200.00} in his account, which is frozen at the moment. This was done on Wednesday, XX/XX/2019. The Levy was on me for a credit card I had before our marriage. My name is on the account for emergency purposes and due to I pay the bills using my husbands account. I do not have any funds going into that account. I send my husband {$1000.00} a month for my part of the rent. Other then that, there's no other monies of mine going into this account. I have stated this to them several times. I have submitted all documents they requested proving that the funds in this account belong to my husband. They have requested 3 months of bank statements and I sent 4, then they requested copies of his pay stubs, which I sent them 5. After sending every request to them I had to wait 3 hours to contact them, and when I did it was never sufficient. This third party LVNV is requesting information we can not give them. They are requesting for a bank statement showing when the Levy took place, which does not show on my husbands statement. We went to the bank and requested a copy, but they denied us a copy. XXXX XXXX stated we needed to wait for the copy they mailed to us. We told XXXX XXXX this was needed immediately and could not wait for the copy that was mailed. We were continuously denied information on my husband 's account. 

The Credit Card I supposedly was sued for was XXXX XXXX, which was bought by LVNV Funding/Attorney XXXX ( a third party ). 

I have attached the letter which I mentioned above, which was the only letter I received regarding this matter. Also, as I mentioned above, this letter was received after the fact of freezing my husband 's account. 

The docket number is : XXXX XXXX Respectfully Yours, Mrs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine

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 2019-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan was transferred from XXXX to XXXX XXXX XXXX, and all paperwork was lost. They are quoting that I owe more than when it was transferred, although I have paperwork from XXXX from 2016 on what the loan amount was. They are nothing but XXXX when you call to try to get any information, and they have told me numerous times that files and records were lost when they took over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I had to switch the title of a car over and after that I still receive all these XXXX XXXX  bills that should not be in my name I have the bill of sale and the date and from the transactions and it still continuing to comes in my name and I do not owe all this debt and I'm not even the one that owns the car so I need it all to go away I feel like that is wrong and terrible and it's going to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I've been a XXXX XXXX Credit card holder for over a decade. Realized several years ago that a {$19.00} per month charge was being made out of my XXXX XXXX card account and called XXXX. They assured me that I would no longer be charged. Recently, I checked my statement and realized that I have never stopped being charged {$19.00} per month by a company called " XXXX XXXX. '' I called the number listed and was told that it had been charged monthly for several years and that they would stop the charges. My XXXX XXXX statement this month is still showing the charge. I have incurred over {$2000.00} in charges from this company I have never authorized. Please help me cancel this and get my money back. My XXXX Credit card is closed, but I am still incurring these charges!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The account isn't mine I would like to have you send me the original signed contract if not please remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: CT

Complaint narrative:
I have been going back and fourth with Equifax asking to update my address and send my current Credit report. It started in XX/XX/2019. I spoke with several representatives and supervisors, I sent several documents by mail and fax and they stated they haven't received them. The documents I sent is to validate my identity and prove I am at my current address which is XXXX XXXX XXXX XXXX XXXX XXXX CT. XXXX. I also explained I do not have a current Id with this new address because I cant afford to get one at the moment so they told me to send other documents : which I sent. This is all costing me money that I don't have. I ran out of options and now I am asking for your help. XXXX  and XXXX  have updated and fix my credit report. Equifax has several inaccuracies on my report. Please help me with this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello I have filed five complaints with government agencies regarding my issue with capital one, and the company harrasses me daily. Has still offered no resolution. No complaint has provided any support or action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I was going to school at the local XXXX  college for my XXXX XXXX XXXX classes. They did not have Public funding for Student Loans in that Summer, so I had to get with a Private Student Loan company " XXXX XXXX XXXX XXXX XXXX '' to get a loan. 

They have been trying to get their money from me ever since, which I don't have a problem with because I Know I owe them money and I will pay once I start working. The problem is that I had a baby in XXXX, XXXX and now I am a XXXX XXXX XXXX XXXX. So I am not working. 

They have taken our case to Civil Court with XXXX County. The Case # is XXXX-XXXX-XXXX-XXXX in the Civil Division. My bank which is Fifth Third Bank send me the court document. It was a " Writ of Garnishment ''. So they got into my Bank Account and froze XXXX on XX/XX/XXXX. The garnishment order is for {$2900.00} but I spoke to XXXX at XXXX and XXXX PA in XXXX XXXX FL and I talked them down to settle with me for {$1500.00}. 

I really do want to pay them, I just don't have the money right now. I could possible pay monthly for $ 30- {$40.00} a month but I don't think they are going to accept that, so what can I do? I need HELP. Representation someone that can verify that to them that I am a XXXX XXXX XXXX XXXX for my son and that I am not able to pay right now except $ 30- {$40.00} a month, but I plan on getting a job as soon as my son is a little older, like 4, so in XXXX I can pay more. 

But I don't think it's fair that they are Garnishing what little money I have to Live On. I get {$200.00} a week from my Mother for Living expenses for my son and I ... ..I can not give them that money. I need it to Live on. My fiance pays the bills and he is not responsible for MY EDUCATION EXPENSES, I am. And I do promise to pay in the Future or even a little now for good faith. What can I do? 

I am definitely in a predicament. 

My Representative at XXXX and XXXX is " XXXX ''. The number there is XXXX XXXX XXXX XXXX. Her extension is XXXX. We spoke around XX/XX/XXXX about settling for {$1500.00} but after further thought I am not able to because that is money I need for my Wedding in XXXX. 

Can you please help? Call me at Home if you can XXXX XXXX XXXX or my cell XXXX XXXX XXXX. 

Thank You! 

XXXX XXXX XXXX '' XXXX XXXX former student

Company response to consumer: Closed with explanation