vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MI

Complaint narrative:
Attached full email conversation. 

I applied for the mortgage on XXXX for my first ever house. I was still shopping for the mortgage and comparing interest rates with several lenders. I never showed any sign to finalize my home loan with better mortgage. At this time property inspection was still pending. 

Better mortgage went ahead and without my content ( even without informing me or my real estate agent ), communicated to seller, booked an appointment and did the appraisal process on XXXX. I was never informed about this. I never paid for or asked for any appraisal service. It seems like better mortgage directly contacted the seller and booked the appointment for appraisal. The seller is an old lady, she though better mortgage company went for appraisal because I asked them to do so. Now both the seller and listing agent is mad at me and the purchase dealing is at risk. 

In the loan estimates provided by XXXX, they have printed {$500.00} for the appraisal service, to be paid. But I never signed the consent for that, never I ordered for appraisal. 

I came to know about entire scenario from the seller of the house. XXXX never informed me about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I pulled credit report and found out that Credit Collection Services ( CCS ) listed a collection account # XXXX saying that I owed them an alleged {$250.00} for unpaid debt with XXXX as the original creditor of car insurance not paid. 

I disputed it and asked for validation. 

On CCS 's letter to me dated XX/XX/XXXX they sent the attached XXXX XXXX statement saying I did not pay for the insurance from XX/XX/XXXX to XX/XX/XXXX. 

This is a false statement because my insurance account did not extend to the period they are trying to collect. My insurance with them was from XX/XX/XXXX to XX/XX/XXXX. The policy ended on XX/XX/XXXX and I did not renew the policy with them. So the alleged {$250.00} they are trying to collect in not mine. ( see attached XX/XX/XXXX). 

XXXX XXXX 's statement that " the payment I made was not enough to completely cover the time insured XX/XX/XXXX to XX/XX/XXXX '', is a false and untrue statement because I did not renew the policy for that period and therefore was not insured by them within that alleged time. And I did not make any payment within the alleged time from XX/XX/XXXX to XX/XX/XXXX. 

I did not approve the changes they had to renew the police and decided not to make the payment that would have been the means of acceptance as per their request. 

I did not renew the policy and therefore I did not have to pay them for service they did not provide. And I am not obligated to tell them who I insures with. 

CCS reporting false and inaccurate information on my credit record is in violation of the XXXX XXXX XXXX, FCRA and FDCPA. 

So I want CCS to remove this false information from my credit record. According to these XXXX XXXX XXXX, FCRA and FDCPA, inaccurate report must be removed and deleted from my credit record immediately. 

And I want CCS to notify me when this false and inaccurate report has been deleted from my credit record in accordance with FCRA and FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NY

Complaint narrative:
For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.

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 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have a account in collects stating iI owe money for a hospital visit at XXXX XXXX XXXX XXXX  for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions on each time they were not able to find any info when i gave my name XXXX XXXX and social security however they could give me no other info and it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: DISCOVER BANK
State: FL

Complaint narrative:
I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Account was delinquent. I contacted capital and set up payment arrangements to make this current-They were taking the money monthly for the payment arrangements. These began on XX/XX/XXXX in the amount of {$680.00} these payments went on until XX/XX/XXXX which made the account current. During this time my account was still being reported with no payment when in fact they were not. So now I am trying to get a mortgage on a home and this is really affecting my credit score and my ability to get this taken care of. I aided by the payment set for me and they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XXXX. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( 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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
This CFPB complaint is against the attorney 's located at WELTMAN, WEINBERG & REIS , CO., L.P.A.  that is representing XXXX XXXX, XXXX. I have responded to them on XX/XX//18 with a letter and legal notice referencing the FDCPA to cease all communications. They received it on XX/XX//18 via certified mail. They are trying to collect on a debt that is paid in full with a company that is out of business and I have provided documentation proving this with a copy sent to them and the XXXX County District Court located in the Kentucky Court of Justice. They continue to send me documentation that is irrelevant to this so called " debt '' and I continue to be harassed by this attorney and his office. I demand them to cease all communication with me about this debt to the form of bullying and harassment or I will move forward with a lawsuit of my own against this attorney and his office trying to collect on an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: AZ

Complaint narrative:
I paid off my loan. Have not used the service in a very long time and someone has made attempts to log into my account fraudulently and gain access my bank account. The creditor is refusing to close my account after I have told them that there is someone attempting to log in. I keep getting emails from them saying someone is trying to log in. Its not me. I want the account closed. There should not be a reason they can't close it. I have no debt with them. They have no phone # to reach them at and the email or chat people say they can't do that. It needs to be escalated. I've asked for someone to call me and they said they do not have phones

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX an agreement was made between Kohl 's and myself to settle the account. While the agreement was made, on a recorded line, the associate inform that they would be reporting to the credit bureaus IMMEDIATELY. That was a lie. After about a week or so, I called to find out what was going on. The new story, also on a recorded line, was that they report at the end of the month. After being upset with associate, I was transfer to a supervisor, also on a recorded line, that it would be report on XX/XX/XXXX. That was a lie. After that conversation on the same day, I call XXXX and place a 3 way conversation with myself, Kohl 's and XXXX. Kohl 's wanted the credit report to say I still owed them {$280.00} even a settled amount was agreed to. XXXX immediately corrected the info to reflect a settled account {$0.00} owed. Unfortunately, XXXX and XXXX  would not call them to fix the issue. I filed a dispute with both to get this corrected on XX/XX/XXXX. Kohl 's eventually did report to both XXXX and XXXX stated closed/charge off account with an outstanding balance of {$280.00}. This took placeXX/XX/XXXX. I called Kohl 's back, again on a recorded conversation, only to be told a brand new story. I asked them what my balance is and how do I owe them. There response was that a settlement was accepted on XX/XX/XXXX and I owe them {$0.00}. My next question was, " Why did report to the credit bureau 's that this a charge off with an outstanding balance of {$280.00}? ". This when the new story came out. The first version was that there is an outstanding balance that is how it would report. Then the story changed to " that they report settlements at the end of the month. '' If that was true, they would of reported that at the end of XXXX. Again, every conversation was recorded by Kohl 's. To make it clear as possible, I am a XXXX Vet trying to purchase a home. I reached out to Kohl 's to settle this. Several years back when I had outstanding credit. I was forced out of my job and my credit went to the tank. I have fixed it all. Yet Kohl 's wants to play games with my lively hood and family. I am a XXXX Vet trying make things right and get a home for my family. They should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.

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 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I checked my credit report with Transunion based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX  in collection by an agency called XXXX # : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with Transunion that I do not have XXXX XXXX, have never received a bill from the collection agency. Transunion responded that investigation was complete and I owe the amount. File number with Transunion is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor XXXX XXXX XXXX. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.

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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submit this complaint against Bank of America for the following reasons : 1. The Bank suspended my bank services and froze my account without justification and caused me harm ; 2. When I called the Bank to complain, Bank of Americas customer service representative failed to take my complaint and to transfer my call to a manager ; and 3. When I called the Bank to complain, the Bank of Americas customer service representative lied by stating that the bank services would be  restored and the account would be unlocked on Monday, XX/XX/2019. My bank account was not re-opened and the services were not restored on XX/XX/2019. 
4. I have already filed a compliant with CFPB # XXXX-XXXX, and the Bank rejected on the basis that I was not the holder of the account, which is false. Please see attached documents.

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I received a call at work from a company named Reliant Capital Solutions claiming to represent the Ohio Attorney General and asking me to verify my name and social security number for a past-due amount from the OH Att'y Gen. When I asked for verification they refused to state the nature of their business but supplied me with a number to a pre-recorded line claiming to be the Attorney General 's office, and  stated a full social security number over the phone that was inaccurate/false. The entire exchange reeked of fraudulence and should be investigated ; if indeed evidence of fraud is found, Reliant Capital Solutions should be prosecuted to the full extent of the law. 
The last 4 of the social security number are those provided by the company to me, NOT my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OH

Complaint narrative:
In an online credit application for XXXX XXXX XXXX   XXXX, which included SIGNED, XXXX XXXX XXXX, PRESIDENT, XXXX XXXX XXXX, US BANK AND XXXX XXXX, CEO, XXXX XXXX XXXX So in the ONLINE APPLICATION, it says ' {$100.00} CASH BACK if you spend {$200.00} in Net Purchases in first 40 days of account approved/opening ... it may take 6-8 weeks to receive {$100.00} Statement Credit '. 
THAT WAS XX/XX/2018 NOW XXXX both XXXX and Supervisor XXXX, 'NEVER HEARD OF IT ' Sorry, Lady, end of dicussion, just nothing, never heard of it. 
Also, the BRAND POINTS PROGRAM IS A LIE AND THE 25CENTS OFF PER GALLON OF GAS FOR A YEAR IS A LIE ... NO ONE IN THE XXXX STORE KNOWS ANYTHING ABOUT A N Y OF THIS ... THEY WON'T EVEN TAKE A PAYMENT ON THE CARD AND SAID TO ME NO ONE ELSE TAKES PAYMENTS EITHER WRONG .... 
XXXX XXXX XXXX I ACTUALLY DO NOT KNOW OF A STORE CARD THAT DOES NOT TAKE A PAYMENT Summarily, this ENTIRE 3 Enducement Offers ARE A LIE AND DO NOT WORK ... AND IGNORANCE OF ANY OF THEM IS AMAZINGLY A B U N D A N T.

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 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a young girl barely XXXX I have NEVER even used my credit before. This is a formal request a block of listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :

Company response to consumer: Closed with non-monetary relief