vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or around XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from XXXX XXXX  XXXX. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXX to present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to XXXXXXXX XXXX  XXXX to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXX I have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
The company XXXX XXXX XXXX XXXX showed up on a property report search on my property for the amount of {$4900.00} recorded XX/XX/2013. From my credit union XXXX XXXX XXXX. Lein Type Judment Docket number XXXX. I '' ve asked them to show me why I own this and they said i need to fiqure it out with the county, XXXX County wear it was file from. I told them they requested the lein they should know why?. They blew me off and wouldn't help me. I don't owe them anything. It doesn't show up on my credit bureau. Just my the property search. After doing some research wily a friend in this field they must of done this by name not buy social security number of the person who owes this debt. In still a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
JP Morgan Chase is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with Chase beginning XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has charged a Fee of {$120.00} to my account for a legal order. I expressed to them that the funds were from a XXXX payment case. Wells Fargo and other banks alike are charging excessive fees for writing a check to a debitor. I wasn't representated by Wells  in court nor did I receive LEGAL COUNCIL. Why does Wells Fargo think it's Ok to charge a fee, that of which an attorney can make, for less than 10min of work. Wells Fargo has been hit with a {$250.00} million door settlement for excessive overdraft fees. This should also be a consideration moving forward. 


And this is the kicker. Wells Fargo instructed me to contact the Franchise Tax Board and have them write Wells Fargo a letter stating that there was an error. I'm still scratching my head on that one. In short they want me to call the Franchise Tax Board and have the FTB tell Wells Fargo that there's been an error with your fees. FTB didn't access the fees XXXX! Why would FTB call and complain or write a letter regarding fees they didn't charge. 

Name # XXXX XXXX Case # XXXX Amount # 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 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo online banking was hacked, unauthorized wire transfer for XXXX was initiated, {$30.00} transfer fee added, for a total of {$650.00} stolen

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 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, 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 2018-06-04 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: MO

Complaint narrative:
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XXXX  of XX/XX/2010, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XXXX of XX/XX/2017 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: MO

Complaint narrative:
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX,  and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, 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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olde City Financial Inc.
State: VA

Complaint narrative:
Our non-profit organization was abused and harassed by XXXX XXXX, Olde City Financial. The company collecting the debt switched collection agencies to a collections attorney. We settled the debt with the attorney for {$25000.00} one year ago. We send payments each month to the attorney and have paid {$14000.00} to date. 

Three months ago, I started receiving undated collection notices from Olde City Financial stating they receive our payment and requesting payments ranging from {$35000.00} to {$38000.00}. 

Please make them stop. I don't want to contact them for fear the long, abusive phone messages will start again ( I saved them ),  emails, calls after hours, calls to my work, etc. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-04 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: B & B FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
Dealership sold Gap and service contract with a signature obtained from being coerced into scanning document for Gap refund that was supposed to cover me back to me. Instead said it was applied to loan but figures and dates do not match. Added vin to car motor to replicate a metal plate with screws. However fake screws that are not real. Engine is different sold car as a XXXX but actually XXXX. Charged my credit card without my knowledge for services I knew nothing about.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
OnXX/XX/XXXX, I sent a certified letter to Experian to dispute accounts on my credit report. In the letter, I requested documentation that they used to verify the accuracy of the accounts or unverified accounts be deleted promptly. Thirty or less days later, Experian sent a dispute result letter stating that the accounts on my credit report have been verified. However, they failed to send the requested documentation to verify the accounts. On XX/XX/XXXX, I sent Experian a second certified letter, again requesting documentation to verify the accounts or promptly delete all information that can not be verified. On XX/XX/XXXX, I received a dispute results letter, which yielded no new results.

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 2018-06-04 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. 
On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. 
I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? 

Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Contacted this company back in XX/XX/2017 about debt of XXXX and ask the company for proof that I owed them this money the representative was very nasty to me and said I need to learn how to take care of my debt and I said I dont owe u all this money I ask for them to send me a copy of the use on the card and they sent me a copyed bill with just the amount of XXXX and not what the card was used for than three days later the company kept calling me asking me when am I going to pay the debt I said u all did not provide me with proof of XXXX used their was no trans actions for this kind of money and the ladie said thats not my problem thats your and we will find out who you work for and garnish your check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Help Ive discovered 2 accounts in my name that doesnt belong to XXXX XXXX two cable accounts Ive talk to the agencies and the credit bureaus and neither one is helping me. Also my student loans Im not working and i advise them months ago and they are still reporting late payments. Please help me resolve theses concerning issues. 

Dates and amounts XX/XX/XXXX {$640.00} XX/XX/XXXX XXXX student loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: PA

Complaint narrative:
Keeps calling my personal cell phone 3or4 times per weekday sincr XX/XX/2018, trying to reach my adult daughter.l do not have any debt with this company. Why they harassing me?

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE INFORMED TRANSUNION OF INCORRECT ACCOUNTS REPORTING ONTO MY CREDIT FILE YET THEY STILL CONTINUE TO REPORT ACCOUNTS THAT MAY HAVE BEEN OPEN DUE TO IDENTITY THEFT. I HAVE INFORMED TRANSUNION THAT I AM A VICTIM OF IDENTITY THEFT AND ALSO HAVE SENT IN SUPPORTING DOCUMENTS YET ACCOUNTS SUCH AS XXXX WITH THE AMOUNT OF {$420.00}, A MEDICAL ACCOUNT WITH THE AMOUNT OF {$65.00}, 2 ACCOUNTS FROM XXXX XXXX IN THE AMOUNTS OF {$530.00} AND {$280.00} WITH THE SAME ACCOUNT NUMBERS, AND AD XXXX XXXX IN THE AMOUNT OF {$700.00} STILL APPEAR ON MY FILE THAT I DID NOT AUTHORIZE OR DO ANY BUSINESS WITH. THESE COMPANIES CANT EVEN PRODUCE A CONTRACT BEARING MY SIGNATURE SO HOW IN THE HECK ARE THEY VERIFYING IT WITH TRANSUNION. THESE ACCOUNTS ARE A RESULT IF IDENTITY THEFT.

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I cancelled their service, and turned in all of the equipment on XX/XX/XXXX The balance is {$2900.00} I have requested they remove this collection on XX/XX/XXXX They have not removed the collection from my credit report. 
The collection company denied my dispute. 
The collection is to old to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My mortgage was 4 months behind due to job loss and I attempted a loan modification which Pennymac denied. I was told I would need to pay {$4100.00} to bring my account current. OnXX/XX/XXXX, I paid {$1000.00} over the phone and I was told to pay {$3100.00} to fully bring it current which I did on XX/XX/XXXX which equals the past total amount 0f {$4100.00}. In addition to that, I paid the escrow balance {$960.00} on XX/XX/XXXXin order to reduce my monthly mortgage amount and make it more manageable since I'm experiencing an income reduction. I made my first payment of {$860.00} but I received a bill stating that I have an outstanding late charge ate charge in the amount {$81.00} and another fee of {$30.00} which I was never made aware of during my calls on XX/XX/XXXX; XX/XX/XXXX and XX/XX/XXXXwhen the last 2 agents confirmed that my account was up to date and I also accessed online and that was confirmed as well. I've already contacted XXXX regarding this matter but Pennymac responded that it will take 30days to resolve which I'm worried that this will affect my credit and it didn't take them 30days to charge or deny my modification request. why should it take that long to resolve this matter. Attached you will find the bill that shows the amount to bring my account current which I resolved by XX/XX/XXXXto avoid any late fees if I was to pay after XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Despite the fact that I'm opted out of credit card solicitations and mailing I'm still getting credit card application solicitations by mail from Capital One. I've contacted Capital One and was told they would cease mailing me but that has never happened. My mailbox continues to get credit card application solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This dispute of unauthorized charges involves a debit card in my name, which is used by my real estate company, XXXX XXXX ( " XXXX XXXX XXXX '' ), to issue incentive payments to me resulting from commissions from real estate transactions. Essentially, as commissions are earned at random times, the card is then loaded with various remittance amounts. This card is administered by Bank of America. 

On the morning of XX/XX/XXXX, resulting from my XXXX XXXX XXXX   advising me that I should have received a commission credit to the card, I called into the Bank of America automated customer service line to verify receipt. It was at that time that I first learned that there were a series of debited transactions that I had not made. I immediately telephoned Bank of America and advised them of the unknown and unauthorized charges and they advised they would cut of the card, re-issue and new one and place a formal dispute claim. Further, they advised that all five of the disputed charges were actual swipes of the card, although I physically had it still on my person and the card was never lost nor has ever been lent to anyone else. 

Subsequently, on XX/XX/XXXX I received a letter ( attached ) from  them only stating that the transactions were authorized, but no detail as to how they came to that conclusion. I immediately called them and tried in vain to get an answer as to how they found the charges authorized considering that besides the charges for some items in which I have no use for ( i.e., I have been on a XXXX diet for the pass 3 months and would never go near a XXXX XXXX ) for at least 2 of  the 3 days in which the card was supposedly physically swiped in another boro, XXXX, NY, I was actually miles away at work located in another boro, XXXX, NY ( on-site clock-in/out ledger attached ). 

I of course asked if someone else, a supervisor can explain to me the seeming non-investigation and unfair conclusion that I authorized these charges and I was told no one was available but a supervisor will be calling me back. It has now been over two weeks and I have not heard from Bank of America.

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