vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 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: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
XXXX was charged to my XXXX XXXX XXXX card by Amerisave mortgage co. Back in XX/XX/2019. At the time I was in the market for refinancing my mortgage. I was contacted by rep. XXXX XXXX. He informed me he could get me the lowest rate possible but I needed to give him XXXX to lock in that rate and show I was interested. Two days into all the paperwork he says I need to give more money and I was buying down points which I never agreed too or was even discussed to get the lowest rate. I have his email stating the XXXX would be refunded. I disputed the charge with my card company and they state the co. Charge is valid. After I submitted all the emails and paperwork. I was scammed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 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: MI

Complaint narrative:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding llc, purchased a receivable from XXXX that defaulted in XX/XX/2012. I had tried to negotiate with XXXX after my home was damaged in Hurricane Sandy but they would not accept a payout. Midland also shared personal financial information with family in their illegal attempts to collect. I want this off my credit reports, its more than 7 years since default!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 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: Westlake Services, LLC
State: TX

Complaint narrative:
ON XX/XX/2019 I MADE AN ATTEMPT TO CONTACT WEST LAKE FINANCIAL SERVICES REGARDING AN ACTION TAKEN ON AN ACCOUNT. IT IS TO MY KNOWLEDGE I WAS NEVER NOTIFIED ABOUT THE INVESTIGATION AND I AM A CO-SIGNER ON THE ACCOUNT. WHILE TRYING TO GET INFORMATION REGARDING THE INVESTIGATION I WAS ASKED PERSONAL QUESTIONS OVER THE PHONE SUCH AS MY LAST FOUR NUMBERS OF MY SOCIAL SECURITY AND MY DATE OF BIRTH. I FELT VERY UNCOMFORTABLE IN ANSWERING THOSE QUESTIONS SINCE I WAS NOT FACE TO FACE OF THE PERSON ASKING THE QUESTIONS. THE FIRST PERSON I SPOKE WITH WAS XXXX WITH THE CUSTOMER SERVICE DEPARTMENT. I ASKED TO FURTHER SPEAK TO A MANAGER IN THE WEST LAKE FINANCIAL SERVICES DEPARTMENT AND SHE CONNECT ME TO A SUPPORT PERSONNEL MANAGER NAMED XXXX XXXX. THIS LADY WAS A REAL TRIP. MY CREDIT REPORT HAS THESES PEOPLE NAME LISTED WITH ME BEING RESPONSIBLE FOR PAYMENT IF THE PERSON THAT PURCHASED THE VEHICLE DO NOT PAY, BUT DID NOT WANT TO DISCUSS WITH ME ANY INFORMATION UNLESS I GAVE MY PERSONAL INFORMATION OVER THE PHONE. JUST EARLIER THIS MONTH WEST LAKE SENT  DOCUMENTS TO MU EMAIL ADDRESS FOR MY SIGNATURE ELECTRONICALLY WITH ASKING ME FOR PERSONAL INFORMATION. WEST LAKE HAS IN THE PAST NOTIFIED ME OF THE ACCOUNT BEING LATE, BY US MAIL, BUT STATED THEY NEEDED MY PERSONAL  INFORMATION. WHEN USING POSTAL MAIL ANYONE CAN OBTAIN THE MAIL AND GET A PERSON PERSONAL INFORMATION. SINCE THE US POSTAL SERVICE IS CHEAP, WEST LAKE DON'T SEE THAT AS A POTENTIAL THREAT. I WAS NEVER NOTIFIED ABOUT SERIOUS ACTION BEING TAKEN AGAINST THE ACCOUNT, BUT WOULD MAKE ME A VICTIM BY PLACING A NEGATIVE MARK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prime Recovery LLC
State: TN

Complaint narrative:
I received an email from Prime Recovery LLC asking for employment and location information, which appears to be fraudulent or scam in nature. When I called to inquire about this email and the details of this matter, I was rudely addressed, the representative refused to provide information about this debt, I was told to pay a certain amount or be sued, then hung up on. I have since sent a USPS certified ( signature required ) letter to the address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, asking for validation/verification of this debt, as this debt does not belong to me and I have no business tied to this company. I have not received the validation/verification requested ). I called a second time to inquire about this debt and I was again talked over, was told that they do not have to validate/verify anything, that I will be sued and that I need to stop researching the internet about verification/validation of debt. I spoke to someone named XXXX, who made this statement and another man that I was transferred to when I gave the file number listed in the email ( both men were abusively rude ). The representatives at this collection agency will not provide any information regarding this debt they say I owe, are extremely rude and unprofessional. I am asking that this collection agency stop the pursuit of this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Business checking account with Wells Fargo. I have no idea what is direct pay and why I am being charged {$10.00} for this fees every month. 
I got one email ( XX/XX/2019 ) about this charge and i remember long time back i told them not to have it on my account. 
I sent them one email right back that take back that charge from my account and i don't this service and please don't throw your services to me unless i ask for it. 

No response from Wells Fargo Then i called upon on XXXX XX/XX/2019 at around XXXX XXXX  central time. ( XXXX ). 20 minutes of hold time and then a human being. Wells Fargo has put a real buggy and useless auto bot ( IVR which collects all the information and good for nothing-i dont want it at all ). Then talked to a male. That guy was totally clueless and have no idea what he is talking about - simple waste of time ... then making excuses can't understand me when i ask him to do some real job. He has no idea about this and wasted another 10 minutes.

Finally he transferred my call to online banking..which stated another 25 minutes of hold time. 

Wells should hire smart and talented people and should know what they are doing. 
They should not waste customer 's time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
The company continues to Bill me for escrow payments. I followed their requests for written and signed letters requesting them to stop billing me for escrow payments.. the service department has verified that they have received the requested documentation from me but they continue to send me they same form letter. Working to gather the requested information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Applied for Loan - XX/XX/2019 : Received Credit Reports - XX/XX/XXXX & Letter of Credit Approval - XX/XX/XXXX ; Property Evaluation / Appraisal - XX/XX/XXXX ; Received Notification of Loan Approval - XX/XX/2019 ( via email ; and a copy on XX/XX/XXXX via USPS ). 

Much to my chagrin, as per a telephone conversation with the original loan processor, ( XXXX XXXX ) on XX/XX/XXXX, I was advised even though everything was approved, due to staff at the branch not being available, the loan could not be consummated until XX/XX/XXXX. The loan did consummate on XX/XX/XXXX, with a Disbursement Date listed for XX/XX/XXXX. Due to lender 's error in Notarizing the documents, the disbursement did not take place until the XXXX or XXXX, and it was only because I had called the branch 's manager did I find out of the error ; the Closing Disclosure was never revised or was authorization given for the change. This act of FRAUD, cost me a minimum of {$100.00}, ( {$27.00} per day ), in 4 days of interest charges I had to payXXXX XXXX  on the loan PNC was paying on my behalf .... not to mention the the additional days of interest charges I was required to pay because they did not have staff available between XX/XX/XXXX and XXXX. 

See attached correspondence from PNC in response to my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one charged off an account that had a fraudulent debt that was then charged with interest. I want the debt cleared out of my name. They have never requested the police reports attached to the issues. I can send all the police reports but I need the debt removed from my name and the account listed as closed with no balance. Thats the proper way to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened an account with Capital One. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collections have just recently been added on equifax from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from XXXX XXXX that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear sir,

1. I recently realized that a check I wrote and sent through mail to somebody has not been delivered even after 30 days.

2. I called up the BMO-Harris bank on XX/XX/2019 to freeze the check and to check for any other options.

3. After more than 60 min hold and back and fourth questions, the associate said, there is a lot of fraud happening. So, the best options they can offer me is to freeze the account immediately and next day morning (specifically at XXXX XXXX EST, the next day) somebody from their sales team will call me to set up a new account. Since their branch is not available in XXXX, Ga, this is best option they could offer me. He also gave me a specific time at which somebody will call me.

4. It is been more than 4 days, nobody called me. My money is frozen (> $ 7000). I can not sit on the phone to deal with customer service anymore.

I demand a compensation for this inconvenience from them.

Thanks,
-XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
someone opened an account using my name i did not give permission for them to do this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Figure Technologies, Inc
State: MN

Complaint narrative:
I did not proceed with their process to borrow against the equity in my home and I simply want to report what they are doing because I was alarmed by it and feel their practices are inappropriate. They sent me a letter by mail with a code offering a line of credit against the equity in my house, containing valid information about the equity I do have.The online application process proceeds normally until they ask you to supply login information : Account logon ID and PASSWORD for any of the following : Your payday provider, i.e.  XXXX, or your checking account access, or your IRS account or your " asset : account ( presumably your investment portal ). 
I do not believe there should EVER be a reason to supply anyone with logon information to any account, and certainly not financially critical accounts such as they demand. I called them and asked if a PDF of my recent pay stub would work and they said no, I had to allow them to logon to my accounts. They then supplied some misinformation about how this only allowed them limited access. That is a lie. If I give them logon information, obviously they can do anything I can do when I logon, such as transfer money from my checking account to them, sell any assets from my retirement account, etc. 
I wanted to alert you to this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Last year my wages were garnished until I was advised that I could consolidate my student loans and do a income repayment plan. I submitted the documents twice this year and each time the monthly payment has not been reduced. I have a household of 3 people with a rent payment of {$1500.00} not including utilities. I can not afford {$320.00} a month not on my income. 
I am still being asked to pay this large payment even after I submitted the documets for the second time with the same info that I provided with the first request. 
The credit bureaus report that I have all these different loans first with XXXX and now with Navient but if the student loans were consolidated then why is it showing I have numerous accounts. Its for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: WA

Complaint narrative:
HI, I wanted to submit my complaint to advise you that as of XX/XX/2019, I was recently hacked from a Malware site that compromised my personal information from my cell phone. I was locked out of my emails, my contact list, and somehow they hacked my XXXX  account. I was able to recovery my XXXX account at work using a secure connection, later that evening with the help from XXXX, when I submitted my claim.

All the information that I have noticed being published about me is absolutely false, and as a result of Identity Fraud with my  personal information being hacked, and credit inquires that are unwarranted on my account. I have not at all engaged in any illegal activity with these publishing 's. The information provided is fraud as I noticed the negative impact of false information on my account. I have never been in trouble with the Law before, except pending case now. I have never had child endangerment charges, domestic assaults ' charges at all. I would like to have that taken off for public record, as is completely false. I am legally bind to stay out of trouble, and have been. I have reported to XXXX   and explained the situation. I will be getting a hold of the fraud unit of their department Monday. The malware issues are solved now on my phone, and I'm able to retrieve some of my emails. I did notice some of them were deleted, as it concerns me in a pending court matter. I was unaware of this information, being published, Til I saw it on your website, the legal civil notice of Privacy act, and Civil penalty fee. I am overwhelmed with the information I have seen. Under truth the allegations are false, incorrect criminal history, personal information wrong, false credit inquires, or any use of money transferring, new debit cards, and my current bank was withdrawn fund, frauduantly obtaining new student loans are falsely incorrect as well. If you have any questions, or concerns proceeding this matter. Please feel free to contact me, Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My account was closed due to an inquiry made on my credit report. I had paid the credit card in full some months and made on time payments other months. My credit card account with Huntington had always been in good standing. There are/were no delinquencies with Huntington on my credit card or former loan accounts ( mortgage or vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been sending letters to Capital One since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit reports. Lastly, Capital One broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account was charge without permission as well as for a different amount.  I did not authorize any payments. I did not authorize anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I opened an account with XXXX XXXX. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.

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