vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 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: Loancare Auto Finance
State: FL

Complaint narrative:
On XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX in XXXX, Florida. 
A week later the blower motor went, which I fixed and alerted the dealer. Also, that same day I let him know the car was shaking real bad when I went over 45 mph. He said he would check it out, they did and told me nothing was wrong it may need some new tires. For the next seven months I was back and forth to the dealership, because the car was giving me issues and each time they would tell me nothing was wrong, yet the car was still shaking and barely moveable. Each month I made payments on time. Finally, in XX/XX/XXXX I spoke with the dealer and submitted the vehicle and told him to fix whats going on or keep the vehicle. I told him I couldnt afford to fix the vehicle and make payments. He said because I was honest with him and submitted the vehicle in good payment standing, that I was good, he would call it even. At this point, I thought it was over. A month later a guy I see a guy in my neighborhood with the same vehicle that I turned into them. So now Im like everything worked out well. In XX/XX/XXXX I happen to check my credit report and what do I see an open account from XXXX as if I still have the vehicle. So on XX/XX/XXXX I call XXXX in there financial department. I tell her I have taking pictures of the vehicle and I know its been released and that they are very wrong for still having me tied to this vehicle. She says they must have made a mistake and that the account should have been closed and that it shouldnt even be on my credit. I told her I was going to file a report and she beg me not to, she said she would fix. She called me back and sent me a text showing they had cancelled the balance and that it would be off of my credit on XX/XX/XXXX because thats the day they report. However, it wasnt removed. After several calls I decided to let the bureau handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Multiple FDCPA Violations by Collection Agency and  lawfirm Suttell & Hammer. This agency is attempting to collect charges for a fraudulent account opened with XXXX XXXX XXXX. This is identity theft yet they claim this account is verified by XXXX XXXX. I dont see how that is possible since XXXX XXXX deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : Suttell sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

Suttell advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and XXXX XXXX as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with Suttell & Hammer Collection Agency and listed on their website.
I have notified Suttell & Hammer as well as XXXX XXXX via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX My sister and myself went in a XXXX store located on so that I could pay for a phone ( unlock ) I was using on her account. I payed XXXX to have the phone unlocked, so a day after the transaction I got an email that said the phone could not be unlocked. Again I summited to have the phone unlocked and again I was denied. So I called XXXX directly and I was told they was not going to unlock the phone until my sister 's account return to a zero balance. So asked for a refund of my money and XXXX told me that, they was going to take my money I used to unlock the and apply it to my sister 's account. Under no circumstance was I going to get my my money back. The same day I called Bank of America to have them retrive my money. BoA put a credit on my account while they work on my claim.The following month on XXXX XXXX, XXXX, I payed XXXX ( XXXX ) again to unlock my phone because my sister 's account was at XXXX. Unknown to me BoA has not resolved my dispute and now they want their credit to my account back.And the first response from BoA was that XXXX has giving them proff of services rendered, but phone was still not unlocked. So I 've given BoA the emails that show that XXXX did not unlock my phone when I payed them the first time in XXXX. Now BoA is telling me that they can not get my money back from XXXX myself.

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 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc.
State: OH

Complaint narrative:
Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. 

Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. 

For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today  ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the  forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. 

I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a state of Georgia tax lien on my credit report that has met the statue of limitation. XXXX and XXXX have both removed the lien, however, TransUnion refuses to do so. I made the dispute with TransUnion on XXXX/XXXX/XXXX and they sent me an updated report dated XXXX/XXXX/XXXX stating that the account it is " verified as accurate '' It was added to my report on XXXX/XXXX/XXXX and according the state of Georgia " State tax liens must be filed within seven years of the assessment date of the tax liability. Once the Department files a lien, the Department has seven years from the date the lien was recorded to collect the liability. A tax lien may be renewed for another seven-year period by re-recording the lien prior to the expiration of the previous seven-year period ''. 
I spoke with a representative for the state who informed me that they do not report to the credit bureaus that XXXX XXXX does and my file with XXXX XXXX has been frozen and suppressed.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.

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 2017-11-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was delivered XXXX XXXX, 2017 sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
XXXX-2015 {$150.00} no contact signed do no owe debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
I am filing this complaint as the Representative of the Estate of my mother. She obtained a mortgage loan in XXXX XXXX with XXXX XXXX in the amount of {$160000.00} for her home. 
She fell behind on a few payments and requested a loan modification. According to questionable documents, the loan was modified in XXXX for {$200000.00} which is excessively more than the original note. Also the signature was questionable on the loan modification which lead me to have an expert forensic examiner exam the signatures. He concluded that my mother most likely did not sign the modification although it was notarized. I do not dispute that my mother agreed to some type of modification at some point but I strongly disagree that it was for the amount of {$200.00}, XXXX. Also the modification was signed XX/XX/XXXX. My mother XXXXXX/XX/XXXX I visited the notary. Although she could not remember my mother specifically she was 100 % sure that she did not visit anyone in the hospital to notarize a document. I can prove that my mother was in the XXXX XXXX on XXXX XXXX, XXXX and was not XXXX enough to sign the modification. 

The loan was sold multiple times. After my mother XXXX in XXXX, we made an attempt to refinance the loan with XXXX XXXX XXXX. After they produced the payoff amount, we disputed this amount. After no real answer from XXXX XXXX XXXX my father stopped making payments. XXXX XXXX XXXX attempted to foreclose but the foreclosure was dismissed when I requested an accounting record for the discrepancy of the loan amount. XXXX XXXX XXXX sold this loan to another investor. 

At this present time, the loan is owned by XXXX XXXX  XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX which hired an attorney to foreclose on an outstanding balance of now approximately {$330000.00}. The Loan is serviced by XXXX XXXX XXXX. I have requested an accounting record of the loan modification from the attorney at Brock and Scott in XXXX SC but no record was produced. My father would like to keep this home but feels that the bank has committed fraudulent deeds and sold this note to this new Lender that has no real answers as why the loan increased. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. I realize that this very last minute but we just were not sure what else could be done. We spoke with XXXX XXXX XXXX and the attorney suggested that we file a formal complaint. 

I will upload the, original loan docs, modification documents as well as the expert forensic examination results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 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: WA

Complaint narrative:
Multiple FDCPA Violations by Collection Agency and  lawfirm XXXX XXXX XXXX. This agency is attempting to collect charges for a fraudulent account opened with Capital One Credit. This is identity theft yet they claim this account is verified by Capital One. I dont see how that is possible since Capital One deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : XXXX sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

XXXX advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and Capital One as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with XXXX XXXX XXXX Collection Agency and listed on their website. 

I have notified XXXX XXXX XXXX as well as Capital One via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I contacted the United States Bankruptcy Court in  XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX XXXX and Transunion, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 2017-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I notified two company by the name of XXXX XXXX XXXX XXXX and XXXX XXXX, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX both by U.S. Postal Service regarding an alleged debt of XXXX dollars. I have reason to believe I do not owe this debt because I believe they have me confused with a different person, and because the alleged debt is so old it no longer owe it under state law. This debt does not show up on my credit report. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in [ my state ]. 
Non of these information was provided to me I also noted that Because I was writing the company within 30 days of being notified by the company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

They continued to move forward to collect the alleged debt from me and garnish wages without validation. 
This a violation of the Fair Debt Collection Practices Act.

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