vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.

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 2017-04-26 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
BMW Finical Services  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  BMW Finical Services on  the dates of   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with no response.   Calls were also made in   XXXX   XXXX   XXXX   but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I bought a used  XXXX   XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in  XXXX   XXXX , AL in  XXXX . The loan was financed wit h Ally Financial. I purchase d a mechanical warranty through  XXXX   XXXX  which was financed in my loan. The warranty was a lifetime warranty that covered bumper to bumper. I had all of the service and maintenance done at  XXXX   XXXX  from oil c hanges to tire rotation/balance to brake jobs. I recently had problems where the check engine light came on about 3 weeks ago and took the car into the dealership to be repaired. The vehicle was diagno sed as needing a water pump but it was not covered under the warranty because of the lack of maintenance which is false. I ended up spending over {$1000.00} for the repairs.

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 2017-04-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.

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 2017-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have been engaged in discussio ns with Conn 's  since  XXXX   XXXX  about the interest rate they incorrectly added to my account when I received an installment loan for furniture in  XXXX   XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General.     I am attaching a copy of an email from  XXXX   XXXX , dated  XXXX   XXXX ,  XXXX , which specifically states " We are in the process of adding the " cash-option '' to  XXXX   XXXX  's account.  XXXX   XXXX  has paid the account balance in full and will received a refund of any interest  she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loandepot de fied any wrong doing, but, demanding payment of late charges and late payment which we never have ever sinc e. Dishonest, manipulati on toward financial scams with illegal late charges and other deficiency activity to gouge us financially including insurance and tax after they were told I am tax-exemption, "   XXXX   XXXX    XXXX  veteran ''.  XXXX   XXXX   XXXX .  XXXX   XXXX  Veteran we end up sold our house, due to dishonest fraudulent activity they put us through since late  XXXX   XXXX   XXXX ,   XXXX   when our home was sold. We felt lots of  XXXX  and pressures from Loandepot 's dishonest services through-out those years I mention here-above. this aforementioned surely is n't healthy for us, but putting us under lots of unhealthy  XXXX   XXXX . To which my (  XXXX  ) classified & verified   XXXX   XXXX    XXXX  and among other VA medical history during my Military services does bothers me big time still. therefore, punitive damages and compensatory damages must award for the defendant 's negligence and egregious repetition of dishonest and consumer frauds ever since.     furthermore, our home sold on  XXXX   XXXX ,   XXXX  , and Loandepot still not refunding us money that they owed us : such payment made in advance for the month of  XXXX    XXXX  , interest, tax, and principle Sincerely :  XXXX ,  XXXX   XXXX  &  XXXX   ( wife  )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NC

Complaint narrative:
During the du ration of six mo nths I have called as well as sent in the proper documents which consists of police reports and identity affidavit to show that an account which is  XXXX   XXXX  and  XXXX  for the amount of  XXXX  an inquiries which will listed below for resolution on my credit report was identity fraud. Due to all of communication and documents I have still yet to have the account removed off my report I have tried multiple times I would like the account as well as inquires that I did not authorize to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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:
Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.

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 2017-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.

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 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: OR

Complaint narrative:
US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  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 monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.

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 2017-04-26 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: AR

Complaint narrative:
My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: CT

Complaint narrative:
There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I se e Wells Fargo c losed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  0.0 bala nce then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on   XXXX   with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo resp onse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone nu  mber ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active Foreclosure '' as my home   was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo while I was going though their modification process? yet another false statement.      3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells did not try too hard to reach me as I called their POC    XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned   XXXX   XXXX   XXXX   letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.

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