vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking  corporation.

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 2018-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.

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 2018-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX XXXX back to the finance company. Since that time I get repeated calls from a company called portfolio recovery to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
XXXX XXXX with Evergreen Professionals called one of the XXXX offices about me to collect a debt.

1. I am not allowed to take calls at work as that is a misuse of state resources- I've shared this with him before yet he fails to comply 2. The deparrment he called I no longer work at. He made the lady who took the call very uncomfortable with there conversation 3. He announced he was attempting to collect a debt 4. He called my personal phone and left a message that he is collecting a debt- I don't have my name listed on the voicemail. That message could have been left for anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received an alert today that an account from this company was reported to my credit report and I have not received any notice or anything at all explaining why! I do not have and written contracts with this company and have NEVER been in contact with them! This is against my consumer rights that this was done and I want it fixed immediately and my 32 points reimbursed to my report or I would have no choice but to exercise my consumer rights and take further action!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: PR

Complaint narrative:
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the XXXX and TransUnion Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.

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 2018-07-14 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: PR

Complaint narrative:
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the Equifax and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 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: PR

Complaint narrative:
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to Experian Credit Report ; in the XXXX and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the  card has not been paid since it was opened.

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 2018-07-14 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: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is NOT a duplicate complaint. 

Scheduled the minimum payment on the credit card, even after Bank of America reneged and did not honor the Hurricane Irma waiver as promised in XX/XX/2018. The Bank of America website would not allow me to re-attempt to pay the minimum payment all week. Why would Bank of America treat a valued customer this way? Fraudulent motives by Bank of America to extract more fees and interest? Clearly this is Bank of America 's objective. Retaliation against Bank of America customers who complain about very poor customer service.

Consequently, I have been unable to pay the {$430.00} that Bank of America reneged on waiving as promised. This appears to be bias irregularities with regards to my account. Are all disadvantaged minorities treated this way by Bank of America?

This is NOT a duplicate complaint. 

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 2018-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Last year I keep received the messages that I open an XXXX XXXX card and spend some money with it. But I never know about this card. Later, I call the XXXX XXXX Customer Service and talk with the supervisor about this situation.The fact that the supervisor/manager already said that I am not responsible for the bill as it was a fraud and I never opened a XXXX XXXX credit card two month ago, and the XXXX XXXX report doesn't even list that credit card nor bill, so why are they asking you to pay. 


But now they still send me this bill makes me really annoying!!! 

And I think XXXX XXXX company stole my information to make profits like that. This behavior is really evil and torture me with this kind of bill for all most one and half year. 

Please help me with this kind of Situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 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: LA

Complaint narrative:
XXXX XXXX XXXX is an unauthorized Inquiry. Please remove within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX   XXXX back to the finance company. Since that time I get repeated calls from a company called XXXX XXXX to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TX

Complaint narrative:
On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.

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 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ

Complaint narrative:
A Court documents Docket # XXXX XXXX  Civil Action Summons was delivered at our home from the Debt Collector name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Ph XXXX.  

Documents is about the debt against property XXXX XXXX XXXX XXXX  NJ XXXX  for which I have no knowledge and never purchased or signed any documents. After the receipt of the letter I called the debt collector and explained that my name and address is picked without their proper verification. There are thousands of people with same name in USA. Official written letter was sent about this and requested to remove our name and address from this case. Court official was notified about that also.

Even after my phone request and written letter they have ignored the fact and replied me with another threatening letter signed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On multiple occasions I noticed transunion and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. Transunion in more than one case sides with the corporation disregarding proof of error.

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 2018-07-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell 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 2018-07-14 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: LA

Complaint narrative:
XXXX XXXX XXXX is an unauthorized inquiry. Please remove within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I WENT IN PERSON TO RESOLVE THE PROBLEM ON CASE # XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018 PRODUCT Mortgage ISSUE Trouble during payment process I SPOKE TO XXXX XXXX XXXX ASSOCIATE XXXX AND ASK FOR A MEETING WITH CEO WHY CAPITAL ONE REFUSE TO SET UP A MEETING WITH THE DIVINE KING! I LIKE TO LOOK AT THE PERSON IN HIS EYES AND SEE IF WILL LIE TO THE DIVINE KING.. LIKE I TOLD XXXX. I'M NOT GOING ON THE WELFARE SYSTEM EVER AGAIN BECAUSE OF MY NET-WORTH OF {$39.00} ZILLION HOLDINGS WITH CAPITAL ONE XXXX XXXX AND XXXX XXXX  WHO HOLDS THE DIVINE ASSETS ON RECORD WITH OUR US TREASURY AND FEDERAL RESERVE BANK OUR GRANTOR. I WAS DENIED MY RIGHTS TO FILL OUT A POLICE REPORT WITH LOCAL PRIVATE DC XXXX POLICE DEPARTMENT WHY? DO THE BANKS OWN OUR JUDGES AND LAW ENFORCEMENT OFFICIALS? WHY WAS I REFUSE TO SCHEDULE A MEETING CONCERNS ON THE FUTURE OF AMERICA FINANCIAL SYSTEMS AND MY FATHER IS WATCHING EVERYTHING 3EYE VISION! SO WHY WAS I REFUSE A MEETING THE GIVEN {$3.00} DOLLARS FOR TRAIN MONEY WHEN THE TRAIN COST {$3.00} LUCKY THE HOMELESSNESS WILL FALL ON THE WHOLE CAPITAL ONE FRANCHISE FOR DEFRAUDING THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
The Money Source has locked us out of online payments and requires payment by money order, XXXX XXXX ( their site states they don't accept Money Source Payments ) or certified checks. 
The reason they say is because there were two NSF bounce backs. ( The paycheck deposit is the XXXX ; the bank withdrawal is the XXXX ) and, so the two were not lining up. 

My complaint is that there was no advance notification that online payments would no longer be accepted so consequently we will have a late on our credit report as payment could not be made online and we had to rush to get payment out via overnight. The customer service staff said there is no policy in place to address the lock out from online payments nor is there an appeal process. They said it is a system lock out. 

So, for the next six months we are required to make payments via certified check and put it in the mail. How is this helpful? It just builds customer animosity. 

How is this helpful to the consumer? Why aren't they required to provide advance notice to the customer? Why aren't they required to have a policy in place to notify the customer, provide advance warning, and provide for an appeals process?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation