vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018, a charge of {$1600.00} was made on my Home Depot Credit card. The charge was made at a XXXX, Illinois Home Depot. I did not make nor authorize this charge. I called to report it and Home Depot immediately removed the charge, issued a new card, and closed the old account. I thought issue resolved. well, 2 month later I get a letter from Home Depot Security Services stating their " investigation '' revealed no proof of fraud, and I am responsible for the charge. They put the {$1600.00} back on my new account. I called, and was told they see no evidence of fraud, and I must prove I did not make the purchase. I asked how can I prove I did not make the purchase other than tell you I did not make it. I asked what evidence they have of me making the purchase. Me on video at the store on XX/XX/XXXX, verification of my identity for such a large purchase, a signature for the purchase. I was told they have none of those things, as they can not view video of the purchase without a police report. This makes no sense, as they must have video, and it is their video, so they can not review it???? 
I filed a complaint with the FTC, and have requested once again, in writing that Home Depot remove this charge from my account immediately.

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 2019-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Adjustments Inc
State: AR

Complaint narrative:
I have been attempting to arrange a repayment agreement based on income, I sent all required documentation in a pre-paid XXXX XXXX  envelope, have receipt dated XX/XX/XXXX XXXX received phone call 2 days later stating " all requested documents not in envelope '' but as conversation went on suddenly they found several more documents being uploaded. spoke with supervisor who apologized and stated " we have hired a lot of new people and they jumped the XXXX calling you before everything had been uploaded ''. also told supervisor at that time that harassing calls before XXXX XXXX Central time were going to cost me my job, 3rd time I told them not to call before XXXX XXXX. received another call on Thursday XX/XX/XXXX documents ( copies of paystubs never found ). was sent an email with upload link and uploaded requested documents at XXXX. XX/XX/XXXX received phone call at XXXX XXXX   XX/XX/XXXX stating they sent letter to begin garnishment because requested documents were not sent. AGAIN uploaded while on phone with agent and response was " we seem to have a glitch in the system ''. This company has NOT got the resources or trained staff to assist in loan rehabilitation and are ATTEMPTING TO DELAY MY DOCUMENTATION to enable themselves to garnish rather than work with me on payment agreement. 
Credit Adjustments, INC. 
XXXX XXXX XXXX XXXXXXXX XXXX NH XXXX I have done everything as requested BUT they are failing on their end. I have recorded the last conversation with representative stating " glitch '' and have screen shot showing upload completed but this company stating it does not have the uploaded documents ( paystubs ). BLATANT act of incompetence or malicious maneuver to pursue garnishment.

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 2019-04-22 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: GA

Complaint narrative:
First, Let me just say that I have disputed two alleged medical collections with Equifax ( the only collections on my Equifax credit file ) for about 2 years now only for them to say the debt is verified. Now according to the FCRA, in order for Equifax to report this debt, they must provide me with the complete and accurate information from the reporting agency. As you will see from the pictures, they have incomplete data for the collection agency. There is no collection company name, address or phone number for this so called medical debt. Again, according to the FCRA, Equifax must provide this information in my Credit File in order for them to report this debt, so that I may be able to question the collection agency who is reporting this information to Equifax. Also, there are incomplete account numbers but the numbers that they do provide ( which are VERY SUSPICIOUS and I think you'll agree ) are extremely similar with the only difference is one is for {$250.00} and the other for {$350.00}. Also, if you'll take notice that the allege debt for {$350.00} was reported on XX/XX/XXXX and then three months later the allege debt for {$250.00} was reported on XX/XX/XXXX. Seems strange that these two medical collections would be so similar in amounts and allege account numbers to be reported by the same collection company EXACTLY 3 months apart. So to this end, I did some research ( which I shouldn't have had to ) to find out that these two medical collections are being reported by a XXXX XXXX XXXX, XXXX. I have reached out to them several times to get these bogus debts taken care of and removed from my Credit Report to no avail. Back in XX/XX/XXXX, I asked them to send me original documentation that bares my signature for these two debts that says I entered into an agreement with XXXX XXXX XXXX and I now owe XXXX XXXX XXXX " X '' amount. I have yet to receive such documentation. Now, I'm a pretty reasonable person ( more like desperate now that I'm trying to become a homeowner ), I reached out to them again by phone in XXXX of this year and spoke with a representative to try to resolve this debt once and for all. Although, I DO NOT believe this debt belongs to me AT ALL, I just need the collections gone ( to be able to purchase a home ) so I offered to pay them 25 % of the debts as long as they would remove them from my Equifax Credit Report, since the amounts are small. However, the representative told me that they would not be able to delete the accounts ( but they were willing to take my money- go figure ) I would like both of these egregious accounts deleted from my Equifax Credit Report because 1 ) they do not meet the FCRA requirements and they are hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: TX

Complaint narrative:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: TX

Complaint narrative:
I have been disputing these accounts with XXXX, Equifax and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXXXXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: TX

Complaint narrative:
I have been disputing these accounts with XXXX, XXXX and Experian they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX bank and XXXX XXXX Bank that sold the accounts to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I apply in XX/XX/XXXX for loan assumption, on XX/XX/XXXX the Assumption Department told me that the assumption got approved and be will reported on XX/XX/XXXX and until now XX/XX/XXXX I did not get any answers even do I been call and spoke with customers services supervisors several time were they told me it will be reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they are playing with me making spend my time several hours, not body telling me the true today XX/XX/XXXX, another customer service told me that, the company XXXX XXXX XXXX do not report anything to the credit bureaus, because they don't have to do so, and I spoke with his supervisor and he told me again the loan will be reported on XX/XX/XXXX, they are not taking serious they job, nobody now what to answers, they provide really bad services, they don't care about the services or the customers, I am frustrated because it is almost 1 year and they not finish the assumption like others loan mortgage who does in between 1 to 3 months the most. The assumption department never can get rich, the customer services does not provide true information, they never calling back, they lie to me. I can not trust this company as my loan mortgage company. They did not report to the credit bureaus and I am paying the house without any missing payment. They look like discriminate to me and with that they are trying to make me miss a payment. I want the loan to be reported immediately with not excuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX/XXXX XXXX XXXX   Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is not a duplicate complaint. Wells Fargo has opened an account in my name and social security number, and is reporting it against me. I have notified Wells Fargo that this was as a result of identity theft, and they have ignored my complaints and have continued to claim that I owe these charges. Wells Fargo claims that I am disputing charges, but that is not at all what I am disputing I am disputing them opening the account in my name period. I have not opened a card with Wells Fargo, and I have not allowed anyone to open an account in my name. I am not merely disputing charges I am disputing them allowing a fraudulent account to be opened in my name PERIOD. I am attaching a copy of my recent police report to show that I was the victim of identity fraud where my personal information to include my drivers license, social security number were all used to provide correct information so that Wells Fargo would allow the fraudulent account to be opened in my name. 

I am providing a copy of my police report so that Wells Fargo can plainly see that I was the victim of identity theft and that their account among other accounts were opened in my name using information that was obtained as a result of fraud.

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 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
After deciding to close my account due to suspension of external account transfer options, I called Simple ( simple.com ) to request account closure. 

Speaking with the first service rep, I was advised to remove the money from the account first. I stated that transfers to external accounts was not available for me, so she advised me to withdraw my remaining balance from an ATM. I inquired whether she knew of any ATMs in my area that dispensed {$1.00} bills, since the balance in my account was not an increment of {$10.00}. 

I then was transferred to a supervisor who informed me they could close my account and explained how I could transfer to my spouses account at the same bank. 

She then explained that I had to request account closure in writing, or through secure messaging in the Simple App.

I then submitted that request, requesting all accounts in my name be closed. The response I received said they also needed confirmation to close a protected goal account, something I was not aware I had and had not been notified of during the phone conversation, and was yet another barrier to closing my account with Simple. 

After sending yet another message again requesting ALL accounts be closed and requesting confirmation, I stopped getting any responses from the customer service. 

I have a XXXX  balance and have no pending transactions with Simple Bank, and would simply like this bank to honor my request for account closure. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: UT

Complaint narrative:
This company uses scare tactics, they threaten, slander and intimidation. They try using lingo that doesnt make sense, but when you ask for clarification it still makes no sense such as pull your file. They raise their voices at you even when you ask them to remain calm. I have talked to them twice. Today XX/XX/2019 and XX/XX/2019. I asked multiple times for documentation of my debt to be mailed to be only to be told it was a smoke screen. I have the right have documentation to what they are asking me to pay. The rep I spoke to was extremely unpleasant and unprofessional, I understand your job is to get money but you should never use scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. 
I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. 
This company sent me a statement or letter showing I owe a balance. THey have not sent me anything showing my signature proving this debt belongs to me. 
I need this company to stop reporting this debt illegally to my credit report. I have also contacted the attorney general as this company has not provided me any documents bearing my signature proving this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX at XXXX I paid my mortgage online. I was charge a late mortgage ans it hit my credit for being late past 30 days, hurting my credit score by 30 points. When I called Standard mortgage company I was told it should have been paid by online THEIR close of business at XXXX. In most instances close of business is XXXX and I had no idea their close of business was XXXX. They stated that it was not drafted from my checking account until the XXXX and that's why they would not fix my credit report.

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