vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.

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 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc.
State: MD

Complaint narrative:
XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase Card has been making unauthorized monthly inquiries in my credit reports since XXXX, with the latest being XX/XX/XXXX. I have complained to the credit reporting agencies and Chase Bank to no avail. I did not authorize these inquiries and I would like for them to stop accessing my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: TX

Complaint narrative:
Payments have been paid as agreed from the beginning with XXXX XXXX hospital since 2016. Yet they posted account to collections agency XXXX XXXX on my credit report. I contacted XXXX XXXX in person and on phone they admitted there was a mistake on their accounting system because they had multiple accounts set up and when Payments were made they were not applied to each account collectively. They stated they would remove the collection from my reports. At this time they have not honored their statement to remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
Dear Sir/Madam, Good morning! Please accept my very best regards. Madam, I would like to present the following for your kind perusal please. 
1. Madam, since XX/XX/2018 I am attending XXXX   University XXXX XXXX XXXX XXXX Campus for completing XXXX XXXX XXXX degree. 
2. The Financial Aid Officer, put up a financial aid package for me. But, he was later transferred to another campus. 
3. The new officer who took over the duties in my campus returned my stipend and refunds back to the lender without my knowledge. Right now I do not have any job. Even then the new officer returned XXXX to the lenders and charged me {$1200.00}. Right now I have no means of paying this amount. And as per the financial aid package I was supposed to get as a stipend and refund, the amount ( {$3100.00} ) ; and it was ( as per the contract ) not supposed to have returned to the lender ; rather refunded to me. 
4. I persuaded every one in the University but to no avail. 
5. Can you please help me in this regard ; I will be really grateful to you if you help me. 
Thanking you, apologizing for any inconvenience, and looking forward to your kind assistance in this regard. 
Most Sincerely, XXXX XXXX XXXX Email : XXXX Telephone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that.

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 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I called the company offered them {$300.00} which they denied to accept I than told them to verify the debt I want the original contract between both parties. All I received was an invoice which could be fraudulent someone using my name. I been informed the original company wrote it off which I assume took a tax break from it but now also want to collect for even more money!

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 2018-08-20 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I applied for XXXX credit card online and was approved and given an account number however I received a letter in the mail stating they need more verification for the account that was approved I provided that verification fax my credit report shows it was checked by XXXX it shows I have an open account by XXXX  and after providing the verification requested they close the account which affects my credit report as well so my credit report was affected three times through a credit card application and XXXX refuses to do any repair basically they told me they made the mess and I have to clean it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Solutions, LLC (KY)
State: OH

Complaint narrative:
XX/XX/2018 I received a written notification from XXXX XXXX XXXX XXXX  regarding an attempt to collect a debt. This notification was answered, via a typed document, by me XX/XX/2018 disputing the debt and the amount of the debt. Monthly payments have been and are continuing to be made on a monthly basis. I had also notified them that I have had to request, on numerous times, an updated and correct billing invoice of which I would receive after several requests. During those wait times I continued to make monthly payments. I received a call at work today on, XX/XX/18 at approximately XXXXXXXX from a " XXXX '' from XXXX XXXX XXXX XXXX . I relayed the information above to which he stated he had no " proof '' of. I expressed my sympathy to him and suggested he check all records from XXXX XXXX XXXX XXXX and for clarification of correct information. " XXXX '' continued to verbalize his monologue and I I thanked him for his call and hung up. 

A second call was made by " XXXX '' at XXXX XXXX and was forwarded to voice mail. I sent another notification to XXXX XXXX XXXX XXXX   requesting correct information from their source.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX Capital One sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX Bank stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.

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 2018-08-20 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: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX   BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : $ XXXX ACCOUNT # XXXX CREDITOR : XXXX BANK XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BANK USA BALANCE : {$3900.00} ACCOUNT # XXXX CREDITOR : XXXX   XXXX XXXX BALANCE : N/A ACCOUNT # XXXX CREDITOR : XXXX   XXXX BALANCE : {$120.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : XXXX ACCOUNT # {$430.00} CREDITOR : XXXX XXXX XXXX BALANCE : {$350.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX XXXX BALANCE : N/A ACCOUNT # XXXX THE FOLLOWING INQUIRIES ARE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AUTO XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX TENANT CHECK

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 2018-08-20 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: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated XXXX  since XX/XX/2018 ( see attached ) and Transunion since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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 2018-08-20 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: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sirs, I really need you to help me in this matter with this bank of america with which you have been in possession of my money since XX/XX/18 I received as follows the images of the documents that sent me saying that my XXXX XXXX dollars positive now the bank tells me that I still have a negative balance at XXXX XXXX dollars, absurd!! 
I want to point out that the bank, when we open an account is to protect us, have the money protected against burglary robberies etc. and so the bank uses our money for other purposes by making profit in its operations to third parties. 
When you have a cloned card the bank returns the money used improperly because it is a problem in cloning the correct card!!! 
Now in my case the bank wants to take my money being that I used the bank system to receive money in my account, assets that I sold and what is worse I sold to different people and the bank is saying that the two operations were FRAUD, like if I made the receipts on the banking system of them, if this there was FRAUD the bank has to assume because the same received and confirmed in my current account, as in the example of the cloned card!! my case is worse than the example given of the cards, because I had my account besides my money stolen by the bank of america itself still left it negative!! I can not stay in the prejudice being cloned account of their clients or the system of the bank had flaws they are responsible yes and I want my money back. I ask you in this case to intervene against the bank of america to reverse this situation with which they put me without giving me documents that prove FRAUDE, even if there were the bank is responsible for the operation carried out in its banking system and not refrain from your system and tidying your way and throwing the problem to your accountant of one thing that did nothing wrong with any of your operations, for me, it makes clear the evidence of the facts to be two completely different and unfamiliar people and to handle everything as FRAUD!! so it leads me to believe that the problem is in your failing banking system and I can not be harmed and misled in this way.

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 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX i was inquired by XXXX XXXX i have no knowledge of this such actions and would like if they were taken off my credit report .... i called XXXX XXXX they looked under my credit report and couldn't find it also..

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 2018-08-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} ( XXXX XXXX XXXX XXXX dollars ) when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} ( XXXX XXXX XXXX XXXX dollars ). Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, 2018 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : As a longtime customer, I write with two complaints : Customer assistance connected me with a XXXX scam which may have compromised my computer. 

Customer service has no way to provide immediate feedback about my concerns. 

My customer record should show three calls to Capital One, two on XXXX XXXX and one today. 

While working with XXXX on XXXX XXXX, I had a problem with a XXXX/Capital One Authorization step. No one at Capital One has knowledge of this change although I reproduced it. After calling, I was transferred from Customer Service to Digital Support and ultimately told only XXXX could solve the problem. Because XXXX does not have Sunday support, I was surprised when the Digital Representative patched me through by phone. I therefore trusted the call. XXXX said an agent would call me back shortly. One did who wanted access to my computer which I granted, assuming this source was trusted. Eventually I was told I would need to pay for the problem. Since it was not a problem I had created, I suspected it was a scam and said so. The XXXX agent disconnected. 

I called Capital One to report the problem and again was transferred to a Digital Representative. There was no acknowledgement or ownership of the problem. We were disconnected, and I was too frustrated to call again after several hours on the phone with several people. I called back today. I went through the same process where a Customer Service Representative and Manager and the Digital Representative told me I could write this letter. 

I ask that Capital One assure me that Digital Representatives connect with only valid XXXX agents, and I ask that a more direct customer complaint process be put in place. 

I am sending a copy of this letter to my senator and to the Consumer Finance Protection Bureau.  Should you need to contact me, I can be reached at XXXX or by email at XXXX XXXX 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation