vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1.  Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed out of {$80.00} from a person claiming to have concert tickets for sale. I was asked to use XXXX through my bank account. I soon realized this was a scam but had no way to get the money back and Bank of America refuses to help with it besides asking the person whole scammed me to give the money back. Obviously that wont happen. XXXX is advertised through them yet they have no fraud protection on it.

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 2018-11-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have multiple credit inquiries on my account that I did not authorize. I called to get them removed and was not helped by your customer service. 
The following Inquiries were not authorized by me. 
1. XXXX XXXX XX/XX/2017 2. XXXX of XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXXl XX/XX/2017 6. XXXX XX/XX/2017

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NC

Complaint narrative:
I do owe money back to a phone carrier but they never mentioned I had rights nor did they sound professional. They never gave me the option to reject. No choices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC
State: SD

Complaint narrative:
A representative from Allied Interstate contacted someone related to me but not associated my account in any way on XX/XX/18. This company had been told twice previously not to contact that person but the representative did anyways. They also left detailed information regarding my account and the debt on a voicemail. I am reaching out to Allied Interstate to reach a resolution. I just wanted to make a formal complaint since this representative acknowledged on the voicemail that there were notations not to contact that third party number but he choose to do so anyways.

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 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I applied an overpayment to one of my accounts, explicitly selecting not to have the overpayment applied to my next installment. Overpayment was still applied to my next installment, and the Navient rep i spoke to online tried to make the case that it was supposed to, even though it was an overpayment explicitly selected to be against the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
I'm having a issue with XXXX XXXX a Comerica bank this card was provided by Social Security Administration an MY issue is that I purchased a item AND because I'm parsuly XXXX In sted OF getting 1 I HIT 3 and when I figured this out 5 min. latter I cancelled 2 OF them AND this happened on XX/XX/2018 an WISH told me that they would issue a credit within 14 days LIKE there policy states. An then I have gone back and fowored with this online com. Called WISH SO on XX/XX/2018 i called XXXX XXXX to file a complaint an they told me that they would send me a form so i could dispute this issue i never received the letter so i called them 5 more time an they would always say that they would send me another form AND TILL this day I have not received anything, AND remember that I'm in a budget because I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. 
Today I got a certified letter that the account was overdue and they were repossessing my car. 
I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An account is listed on my Equifax Credit Report from a collection department has listed this account as open derogatory account with the open date of XX/XX/XXXX. I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. A year before this collection company stated that the account was closed. This Open account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report. On XX/XX/XXXX. I resubmitted again 0n XX/XX/XXXX, XX/XX/XXXX. The amount is XXXX. This account is reporting as an open account while the other bureaus have deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months 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 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Loan Number XXXX Bank of America Home Loans XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concerned, Over the past 14 months, I have tried to receive assistance from Bank of America to help me keep my home or help me with some assistance to find a subitle place to stay. This has been one of the hardest things I have tried to do.I have email, faxed and mailed documents to Bank of America Home Loans. I spoke with a customer relationship manager from Bank of America on XX/XX/2018, and she specified to me that I can be approve for a short-sale or Cash-for keys assistance. I have made numerous attempts to find out what are the issues on my loan to keep me from getting some type of assistance. The home is in very good shape, I would hate to leave it and someone will destroy it. I am also working with XXXX to help me with this process. No-one from the Bank is telling me anything. Bank of America has a sale date on my home for XX/XX/2018. The Bank specified, I have issues on my account, but wont tell me what the issues are!! What is really going on here?? Why wont Bank of America help me? I have even went the local office of XXXX XXXX representatives in XXXX about Bank of America. If, they dont want to lower my mortgage so I can keep it, Bank of America could help with me a short-sale or cash-for Keys. What happened to the Harp program to help home owners in a time of need? For the past 14 months I have sent over, pay stubs, Utilities bills, hardship letters, bank statements, all of my income to help me get approve for some type of assistance for Bank of America to tell me, they cant help me? Why would they put me thru all of this stress and turmoil for nothing? Something is not quite right with this picture. I am having frequent XXXX XXXX, and my XXXX XXXX and XXXX XXXX is very high. My doctor back in XX/XX/2018, put me on XXXX XXXX XXXX medicine. This is not right! 

This following email is dated for XX/XX/2018 to Bank of America To the Appeals Department at Bank Of America To whom it may concern, I XXXX XXXX, am requesting any other outstanding issues with the Appeals Department. Please send me a list documents I need to submit so I complete this process. 

Thank you so much, 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 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, On XX/XX/2018, I made two identical wire transfers of $ CAD XXXX each from my companys bank account in XXXX to my wife and my personal accounts at XXXX and Capital One in the US. The two transfers were made in interval of several minutes. 

To my surprise, the amounts in USD which were received at each bank were entirely different. In XXXX, I received USD XXXX, which was calculated at the currency exchange rate of XXXX XXXX/USD. In Capital One, I have received USD XXXX, as the conversion rate they used was XXXX. So the difference was nearly {$3000.00} for two identical transactions of foreign exchange conversions made at the same time. Please see the attachments showing the two transfers. 

While understandably it is likely to have differences between two banks rates, the difference was substantial. I looked at rates range on XX/XX/XXXX, and could see that the lower rate that day was XXXX. Please see : https : XXXX I have therefore approached my local Capital One bank, who contacted their wire department for further explanation. The answer I was provided is that Capital One set their own rates which are unrelated to the trading day rates! I was very unhappy with this answer, and filed a complaint at Capital One Customer Care. I have explained that when a person makes an international wire transfer, he can reasonably expect to have the funds converted into local currency based on a trading day range ( even if it would be the lowest rate on that day ). However, Capital One used a considerably lower rate to convert my CAD to USD XXXX vs XXXX ( the day lower rate ), which it has determined arbitrarily. 

The response I have received from their Customer Care department was the same as the one I received from the wire department Capital One uses their own rates, and that the rate they used was correct. I responded that doing this intentionally is even worse the bank knowingly overcharges its customers when converting funds from other currencies. 

I therefore believe this is a very unfair and unlawful behavior of a bank to determine their own rates regardless of the days market rates. This behavior resulted in a loss of nearly {$3000.00}. 

I hope you are able to assist. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I signed up for an offer for an American Express XXXX Honors Ascend credit card on XX/XX/2018 because of an offer of XXXX XXXX Honors points after you spend {$2000.00} within the first three months of account opening. I contacted American Express today because I met the {$2000.00} spending in XX/XX/XXXX, I had approximately {$2500.00} of spending, but I have yet to receive my sign-up bonus points. The representative I was chatting with said it would take 6-8 weeks before I'd receive my points, but I stated I hit my spending requirements more than 10 weeks ago. His response was that my spending requirement was {$3000.00} not {$2000.00}, I quickly stated that the offer I signed up for was for {$2000.00} not {$3000.00} as he stated it said on my account. He stated I wasn't correct because in my account it showed {$3000.00} in which I asked for the terms from my date of signing up, and he said he could not provide those terms because they are " online. '' I also stated that the {$2000.00} is inline with the current offer of XXXX XXXX Honors points after spending {$2000.00} within three months offered today on their website. After further discussion he got his supervisor to take over the chat, he stated the same thing but offered to open a complaint with AE which I declined. Then after that the chat session was closed due to inactivity online because it had been over 10 minutes since I signed into my account. So, I called the 800 number for AE and spoke to XXXX ID # XXXX, he basically stated the same thing but understood my concern. He said there was nothing he could do for me though beside opening a complaint. He opened a complaint, # XXXX, of which he said they may contact  me within 7-10 days. The chat ID is XXXX. 

American Express does not send applicants copies of the terms and conditions of the offers so they don't have to follow through. Nothing in my account online shows the status of reaching my sign-up bonus, so they are purposely not disclosing this information to mislead customers.

Company response to consumer: Closed with explanation