vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I utilized XXXX for the first time and was involved in a scam. I purchased playoff tickets via XXXX and the scammer wanted me to use XXXX. After researching a little and knowing my Bank, B of A utilized I was comfortable with the transaction. Once I realized it was a scam the same day, I called B of A. They said they would contact XXXX XXXX but my funds of {$360.00} were not returned. They said I now need a subpoena and I am working with local law enforcement now.

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 2018-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. 

They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. 

I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX  for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX   XXXX and has XXXX XXXX  XXXX XXXX requiring continuous medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: FL

Complaint narrative:
About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The most recent letters that went out with no response was on XX/XX/2018. For XXXX  the tracking # is XXXX Equifax tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX Equifax tracking XXXX XXXX and XXXX tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by XXXX XXXX  XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

XXXX XXXX has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Company constantly calls both numbers, speaks very harshly. Very rude and constantly calls from spoofed numbers. There tactic is to attack they are not trying to help you and the company is a bully.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR RESOURCES INC Account number XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... AR RECOURCES NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America sent me an email my credit card account was closed. It has a XXXX  balance and a XXXX dollar limit. The customer service representative told me it was due to inactivity and then rattled of a collection on my credit report. He then stated my credit wasnt pulled, which is illegal without my permission. This company is a scam, the reviews on XXXX  and XXXX show a clear trail of deception. I want my account removed entirely from my credit report or Ill pursue legal action. It lowers credit scores when scandal companies like this operate in this manner on responsible customers.

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 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2014, Specialized Loan Servicing ( SLS ) acquired my loan from XXXX. 
At the time, I was awarded funds from Keep Your Home CA in  the amount of {$98000.00}. 
SLS placed the funds in an Unapplied funds account until XX/XX/2014. I was informed that {$93000.00} was applied to the principle 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 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD ACT # XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... TRANSWOLD IS NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - Dispute was filed XX/XX/XXXX - Merchant responded with incomplete data ( missing proof ) XX/XX/XXXX - I responded wth a seven page response showing : What was expected and what was received. Also included correspondence with the merchant. 
XX/XX/XXXX - City investigators responded and asked for proof the merchant said he would refund me XX/XX/XXXX - Citi re-opened the investigation and told me to call back in a week XX/XX/XXXX - Called back to citi. There is no update on the investigation. Told to withhold payment until investigation could be resolved. 
XXXX - Called back to citi. Dispute representative acknowledged that the merchant did not provide the service. She said there is nothing she can do and that there were no supervisors available. 
XXXX - Called back 15 minutes later. Spoke to supervisor -- a work request is issued and a {$100.00} courtesy credit is given. 
XX/XX/XXXX - Called back to citi. Still no word about the work request. Supervisor acknowledges that the dealing given by Regulation Z is in 3 days and that they will miss it. 


The dispute has been going on for over 2 months and more than two billing cycles. Resolution does not seem like it is approaching. A legal demand has been issued to Citi to deliver the investigative information and refund the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX offered a special of receiving {$25.00} dollars if open a credit card account. Since I order quite frequently from XXXX I felt comfortable with doing this ... .I ordered my items, utilizing the {$25.00} toward purchase at the time ( This was in XX/XX/2018 ). The balance was then place on the card. I never received a bill for this until there was a late fee showing. I immediately made a call to Customer Service XXXX XXXX at XXXXXXXX ( as well as going to the website ) - website did not provide any access, after several diligent phone calls, I finally was able to speak with a representative ( he was not helpful, requested my social security number and I was not comfortable with providing this to him over the phone-by now feeling " scammed '' ). I requested a bill to be sent to my address, sometime on late date (? ) I received bill and made payment for the merchandise I purchased and did not pay the late fees ( which were accumulating due to XXXXXXXX XXXX lack of efficiency. I continue to receive bills with increasing late fees ( I have requested in writing to be provided a statement with anything owed ( a break down on what the charges are ). I checked some reviews and it seems other people have also been scammed. I have excellent credit, I have thought of just paying it ... yet it doesn't seem " just '' that this company continues to scam people, very frustrated that XXXX would even be associated with this type of business. I would appreciate any support or advisement from CFPB. 
Sincerely, 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 monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IL

Complaint narrative:
I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments.

Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month.

Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship.

It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full.

If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month.

The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XX/XX/2018 purchase {$24.00} XX/XX/2018 Payment made {$24.00} XX/XX/2018 Late fee assessed {$24.00} XX/XX/2018 purchase {$24.00} XX/XX/2018 late fee assessed {$27.00} XX/XX/2018 Finance charge {$1.00} I contacted the company today XX/XX/2018 about the late fees assessed on the account. I contacted the company because I was unaware of the late fees an especially them being {$27.00} for 1 day late. I called to make a payment an I was trying to explain to them that I am a XXXX XXXX XXXX an their was no way I could pay {$78.00} before XX/XX/2018. The 1st person I talked to I asked could I speak to a manager she told me she could just send me over to hardship so they could help me before she transferred my called she did a credit for {$15.00} on my account knowing that would be all they would credit me. Once the hardship rep got on the phone she told me she couldnt credit me nothing else because they had already did that one she was being a little rude so I asked to speak to a manager again. Once I got on the phone with the manager he took a look at my account then put me on hold an a woman returned I explained to all of the reps managers an associates that I am a XXXX XXXX XXXX I dont have a job an I know there is no way I could pay {$78.00} before XXXX. I told them I have the purchase payment of {$24.00} to pay right now an they told me I needed a minimum of {$32.00}. I told them that I could possibly beg someone for the other {$6.00} an pay it so I could have at least the minimum payment. I was sent to 4 different reps in which no one really helped me and 2 belittled me asking about my finances, how I pay my bills an how I get by, an do I think I could get a job. I tried explaining to them that I dont want the late charges to continue accruing because I cant pay the ones I have now. They wouldnt even set me a plan to pay what I have now all they said was I got to pay it in full by the due date or they gone continue charging late fees. I also explained to them that no one explained the late fees to me an I have not received a statement. I told them when I got the card I was out of town on vacation an I visited a store an they cashier told me that she could put all the information in on the computer So I did not fill out anything. Instead they told me I should have been aware of the the fees an due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has been applying my payments late which is leading to several delinquencies on my credit report. They are reporting my payments as 31 days late when the payments are being within 30 days or less. This is inaccurate reporting and illegal. I have tried multiple times to remedy the problem with them to no avail. I am now demanding that all late entries be removed from my file or I will be forced to seek further action based on damages incurred to credit profile due to their erroneous and haphazard reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX 2 fraudulent charges were made thru my checking account. One was made in XXXX California for about {$15.00} and the other in XXXX XXXX New Jersey at a XXXX for {$80.00}. I was in neither place at that time nor have I ever visited those places in my life. When I saw the charges the next day I immediately called Td customer service line reported the charges and filed a fraud complaint. I went to TD bank in XXXX NJ to get a new card I closed my savings account and withdrew majority of my money from my checking but could not close the account because of the pending claim. 10 days later I got a letter in the mail saying they did not find it to be fraud because the charges were made via pin number and with in my area. those finding are impossible as I could not of been in cali and NJ at the same time on the same day and NO ONE HAD MY CARD OR PIN NUMBER. I opened another claim this time I got police report and brought it to the bank to show it was made and being processed. They have again denied the claim for the same reasons. Unfortunately TD bank had no direct line to the department and no one to speak to. Today I reopened the claim for a 3rd time in hopes they will overturn their ridiculous decisions. I would not go through all this trouble and switch all my banking information and autobill pay that is routed to this bank if fraud did not occur. No one has my pin or card. I have never been to either location and I most certainly would not travel to XXXX XXXX at XXXX XXXX to purchase XXXX bucks worth of product when I could go to a XXXX around my home. I will even go as far as getting surveillance from that XXXX of the night and time in question to prove I was never there making that purchase.

Company response to consumer: Closed with monetary relief