vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In the XXXX of XXXX CMRE had sent be medical bills and contacted me via cell phone. On XX/XX/XXXX, I spoke to a male rep who stated that I had 7 accounts, but only 1 with a balance. He said the total amount of that account was $ ~XXXX.  However, he said my portion was only {$76.00}. He then transferred me to a female representative who tried to collect {$300.00} from me. I then sent an email to CMRE to verify what was going on. They did not respond to this email. However, I received a bill in the mail for an amount of {$76.00}. I made this payment and subsequently validated via telephone that all accounts were paid in full. Since then I have not had any communications from CMRE. On XX/XX/XXXX, CMRE began reporting an {$82.00} collection account on my Credit. Based off this, I called into CMRE on XX/XX/XXXX and spoke to multiple people. They informed me that the last notes on the file show a communication with them on XX/XX/XXXX ( before the email ). The notes did not reflect the male I spoke to or the subsequent call. The assistant manager XXXX said she would try to pull the calls I had with him. She confirmed that they did not attempt to contact me since my last communication with them. She stated that they reached their mailing threshold and that is why they did not send anything via USPS. She also claimed that they did not have my phone number on record ( even though they called me last year on it ), and that is why they didnt attempt to call me. 

I no longer use the credit card I paid the account with and therefore can not pull a receipt. I agreed to pay the debts they are now claiming I owe if they remove them from my credit. However, they have refused to delete them. I asked XXXX for their regulator information and she told me it was the XXXX. I subsequently spoke to the manager XXXX who now claimed I hadnt made a payment since XXXX, and refused to look for the phone records of me speaking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A few years back I applied and was approved for an XXXX XXXX credit card which is issued through Synchrony Bank. Originally I was approved for XXXX then a few months after that they lowered it to XXXX, I didn't complain about it BUT I was active in using my card and ALWAYS paid my bill on time, NEVER LATE!!! Most recently I paid the full balance and thought I was doing the responsible thing. When I went to use my card a month later I was told my account was CLOSED then I received an email from the credit report agency inquiring if I closed the account which I responded NO!! I then receive a letter from Synchrony Bank that after checking my credit reports ( no permission and why?! ) in spite of my excellent payment history they decided to close account! This makes a negative mark on my credit report!!!!!!!! I am furious_ if I had never paid them off I would STILL have an active account! How UNFAIR is this. Their letter informed me of my credit score and other information that goes beyond my permission to check. They were only allowed to check my history with them. Thank you!

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AFNI INC.
State: AZ

Complaint narrative:
XXXX XXXX referred an account for collections, which I have disputed not only with XXXX but the collection agency AFNI. I had disputed this account via telephone with AFNI requesting validation of the said debt. I did receive a response which was a automated letter dated XXXX, please see attached. This communication received from AFNI gave no details, only they have verified with the creditor. I had sent my 1st dispute in writing requesting the information I had requested via the telephone. please see attached, item # 1. 
Item # 2 thru # 5 attachments is the response received from AFNI dated XXXX with the same automation letter only this time with 1 line " this letter serves as verification of the account '', along with a copy of the of the last statement from XXXX showing a credit for the current month but a " previous Balance '' and this is where my dispute is and has been, I have no knowledge of this " previous balance ''. The service was no longer in use and the equipment was hand-delivered to a XXXX store on XXXX XXXX. in XXXX, AZ for I had moved from the address XXXX services were installed at. 
Item # 6 my request once again for validation dated XXXX, I never received any response from AFNI after this. 
Now I just check my credit bureau and found AFNI has of XXXX has listed a derogatory rating to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX, XXXX - collecting on behalf of XXXX XXXX XXXX stated that they would put a debt not owed on my credit bureau if I did not pay {$130.00}. I stated that I was a member of XXXX XXXX for over 3 years and that I finally cancelled my membership in writing at the gym. 

The gentlemen at Aldous stated that I needed to " fill out the correct cancellation forms '' and I said that the contract only called for cancellation in writing, which I effectuated at the gym in person. 

The gentlemen was insistent that I had not filled out the right forms and that the debt was owed. I explained that I am a lawyer and that his understanding of the law and of the contractual provisions are mistaken. 

He was very courteous and professional in our conversation but he misunderstands the law on this matter. 

I am filing this complaint in order to discontinue the collections efforts and because I do not wish this matter to affect my credit, as he mentioned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I receive a letter from Eqquifax with my incorrect address XXXX XXXX   XXXX XXXX, Ca,XXXX in which XXXX XXXX is closed and Equifax has my new mailing address on their data. 

Equifax is sharing my private information to Equifax in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is Equifax sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XXXX XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XXXX and XXXX in which XXXX has deleted the derogatory remarks on XXXX XXXX. 
XXXX and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XXXX and US Military Veteran and my XXXX XXXX. 
XXXX, Equifax, XXXX and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX  and a US XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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:
Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
Transunion LLC reported on behalf of : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.

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 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: PA

Complaint narrative:
XX/XX/19 my direct deposit was due into card as of today it's not there. XXXXXXXX XXXXXXXX is literally holding my money from my from a mistake they've made!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: MO

Complaint narrative:
I bought a house on XX/XX/19 with a 1st mortgage through Fairway Independent Mortgage company and 2nd mortgage with a XXXX  XXXX XXXX first time homebuyer grant about $ XXXX. ( Fairway Mortgage Co. arranged for this grant ) I am trying to refinance my mortgage and know that by doing so I need to payback the grant. As there is a 2nd lien on the house for this grant amount, the new lender needs a payoff statement from Fairway mortgage as to the amount and where to make the payment to pay it off. I have talked to the XXXX  XXXX XXXX who has told me I need to get this information from Fairway Mortgage since they have not sold the loan. I have asked Fairway where I can send a payment to pay this off and can not get an answer. 

I have been trying numerous times via email and phone to get this payoff information, but have been told by Fairway that either they don't know how I can pay it off or that I need to go through the XXXX   XXXX XXXX. 

I am stuck and do not know where else to turn at this point. 

Thank you for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
There are a number of Fraudulent charges on my bank account, that I did not know about nor authorized. XXXX XXXX, never had my consent to charge my account. XXXX XXXX for {$15.00} fraudulent, XXXX {$73.00} fraudulent, XXXX XXXX {$400.00} fraudulent, XXXX XXXX Fraudulent, XXXX XXXX XXXX {$30.00} fraudulent, XXXX XXXX XXXX {$21.00} fraudulent, withdraw for {$300.00} XXXX XXXX XXXX fraudulent.

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 2019-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: CA

Complaint narrative:
THE ORGINIAL DEBT WAS TO XXXX XXXX XXXX XXXX, THEY SOLD THE DEBT TO FLAGSHIP CREDIT ACCE. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A ZERO BALANCE.

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 2019-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I did not complete the process to obtain a Capital One Bank USA credit card on XX/XX/2019 and had recieved a message stating the application would be cancelled and would not be processed because they needed more information, which I never provided. It shows up as a hard inquiry on my credit report even though I was told the application would be cancelled and never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Initially, when I took a private student loan from Sallie Mae, now Navient, my total loans were under $ XXXX. I have been paying diligently for over 7 years, yet my loans are now up to $ XXXX. 

Its very discouraging to be making a conscious effort to stay on top of my loans, yet never see them decrease. I feel that Navient has taken advantage of me as a nave student, and put me into a income driven payment program, but failed to point out that this payment plan wouldnt even be paying the amount of interest, let alone the principle. Its like Im trying to bail out water from a boat that has a hole at the bottom. No end is in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA

Complaint narrative:
THE ORGINIAL DEBT WAS TO CAR FINANCE CAPITAL L, THEY SOLD THE DEBT TO XXXX XXXX XXXX. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A XXXX BALANCE.

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 2019-04-01 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: NJ

Complaint narrative:
I opened a credit card with TD Bank when I purchased furniture in XX/XX/2018 with the store and paid off the balance. Because the store charged separately for each delivery, a late payment occurred in XX/XX/2018. I called the TD Bank and asked for pay off and waive charged fees. TD Bank 's representative through phone instructed me paying off ( I was given the number I need to pay off ) and confirmed that all fees are waived and the balance is XXXX. 

Because I believe my balance is XXXX I did not go back to check my account for 6 months. 

Recently, I received voice mail from TD bank asking me to call the bank service. I checked my balance and realized TD bank do not waive certain fee called-charges which caused accumulated interest for 6 months- {$250.00} till today. All the online account setting is by default, I were not offered the opportunity to understand waiving of all fees do not cover certain charges ( hiding charges ). As a customer, I am confused and feel unfairly treated by the way TD bank manage and charge credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
1. I was charged a service fee of {$25.00} on a BBVA Compass ClearChoice Free Checking account on XX/XX/XXXX on an account ending in XXXX. The transaction was disputed by phone and secure XXXX messaging. It showed a posting date of XX/XX/XXXX which was a future date which I was able to dispute on XX/XX/XXXX because it had already posted to my checking account. BBVA called it a Bank Fee. 
2. I had a money market account with BBVA compass which I was charged a {$15.00} service fee for an account ending in XXXX, that did not charge fees on the balance I carried. It was disputed by phone and by secure BBVA Compass messaging. 
3. I disputed a charge to my credit card with is showing a charge in the amount of {$590.00} via secure messaging on the BBVA Compass website. It is from a company calling themselves XXXX XXXX XXXX  in XXXX, CA dated XX/XX/XXXX. I closed the credit card number and requested a new credit card account and have done that twice and the charge is still showing on my account. I blocked two credit card accounts with that charge and those accounts end in XXXX and XXXX. I have not done business with that account ever in my life. 

There are a lot of problems with this bank in particular and it did not start until around XX/XX/XXXX time frame. They have not honored any of the account benefits that came with these accounts and currently I pay them and continue to be cheated and have my funds stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My loan was suppose to be paid off in a 15 year term. They sold my loan and started a new loan program of 21 years. I have asked for the original paperwork showing this new agreement of 21 years with no results. Also, I have been tracking the information of the loan in detail by XXXX sheet and the information changes from month to month. They have added money to the unpaid balance with no explanation and have not removed my co-signer even after she passed away. The XXXX sheet I have been loading monthly changes. Also, at this moment Navient/Salliemae shows I have paid in payments XXXX for a XXXX dollar loan for XXXX XXXX XXXX and only XXXX has been applied to principal. This does not include the Capitalized interest I have paid. Without the capitalized interest I have paid XXXX just on the monthly interest alone and now I have anther ten years instead of it being paid in full in two years. I don't think it's okay that they just change my loan terms because they want more money. When they sold my loan Salliemae/Navient also added more money to the unpaid principal. Why do I have to pay for them to buy my loan when I didn't want to sell my loan in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, Transunion received an initial certified letter from me, disputing and requesting verification of various accounts reported by Transunion on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Transunion has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Transunion received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I HAVE NOT received any form of a reply or response from Transunion. 

Additionally, Transunion has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B  ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Transunion received certified mail from me on Thursday, XX/XX/2019 at XXXX, but have not replied within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

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