vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
We are a corporation located in the XXXX XXXX of Virginia. Our corporation is XXXX, XXXX. 
We received a collection notice from the law firm of Linebarger , Goggan , Blair & Sampson, LLP. The collection stems from a red light camera ticket, which we never received notification of, that allegedly occurred over ( 2 ) years ago in XX/XX/2016. 
Upon initial contact with the stated law firm, we were advised that no proof or copy of the ticket could be provided to us and that WE COULD NOT contact the clerk of the court in the county in which the ticket was issued, and even if we did, the clerk would not speak with us. We were further advised that no other options were available and we had to deal solely and directly with the stated law firm. When we requested the citation or case number, we were given an incorrect case number. 
Upon secondary contact with the stated law firm, a supervisor name " XXXX XXXX '', advised us that the clerk of court of the county in which the ticket was issued had instructed the stated law firm not to negotiate or settle any tickets for less than the demanded amount. 
After contacting the clerk 's Office of XXXX County Court, we were advised that the information that the stated law firm had given us was false. The clerk stated that we could talk to them about the traffic citation at any time. The clerk further stated that they had not in fact prohibited the stated law firm from negotiating the fees they themselves had added to the citation for cost of collection. The clerk continued to advise us that we in fact had recourse with the court and could ask for the ticket amount to be reduced. Even more, the clerk stated that we could pay the clerks office directly and did not have to deal with the stated law firm as instructed. 
We assert that the above interaction with a debt collector is a blatant violation of the fair debt collection act to the extent that the stated law firm continually lied and provided disinformation to us regarding the alleged debt solely as a tactical means employed to increase the odds of collecting the alleged 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 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This refers to complaint # XXXX. I received an email from cfpb stating that I had closed not one, not two but three checking accounts with capone360. I do not remember having three checking accounts with capone360.. would appreciate an explanation of why this/these accounts were closed,, by whom and when.. I only had one checking account with capone360 I DID NOT intend to close this/these accounts until my issue with capone360 was resolved. I have no idea why these accounts are closed.. my complaint had to do with money missing from my checking and savings with capone360. please review my earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian on XX/XX/XXXX and again XX/XX/XXXX to dispute some personal information inaccuracies on my credit report. I included a copy of a utility bill, my social security card and my drivers license with my correct name XXXX XXXX XXXX XXXX as well as my correct address 4XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I informed Experian of the errors on my report which were an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and an incorrect name of XXXX XXXX. I do not live at this address and I have never gone by the name XXXX XXXX. I received a response from Experian on XX/XX/XXXX that the information had been updated. I am unhappy with this response because false/inaccurate information should be deleted not updated. I find it hard to believe that a thorough investigation was conducted in 11 days. As I stated previously I provided my social, state issued ID, and a utility bill verifying my address and correct name. There is no reason for this inaccurate information to be on my credit report. It is a violation of the FCRA.

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 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Account has been set on auto payment for over a year. I entered a new back account with the correct information and the Credit card company said the account number was in correct. Payment date that was Missed was XX/XX/XXXX and the next payment came out on XX/XX/XXXX. The bank reported 60 days late. Never contacted me about the matter.

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 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is blocking me from enabling external applications. I can not connect XXXX XXXX  to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: OH

Complaint narrative:
I noticed collections on credit report that I do not recognize or owe. I mailed the 3 major credit bureaus on XX/XX/18 via certified receipt and Account Numbers XXXX, XXXX, XXXX and XXXX were immediately deleted, however, Equifax was still reporting the accounts. I contacted Equifax again because I never heard back regarding these accounts XX/XX/18, certified receipt again and they investigated this time and verified as accurate. I mailed Equifax again because theres no way these accounts are verified as accurate, especially since Equifax isn't even reporting the Collection Agency names on my credit report, it only has the Account Numbers listed on my credit report. I requested Verification procedures and documentation because at this point, I would like to know what and why these accounts are on my credit report. To date, Equifax still has these accounts reporting and have not investigated further nor sent me any information regarding these accounts. Per Section 609 of the Fair Credit Reporting Act, this information is to be provided upon request. These accounts need deleted. I've tried to be patient, but this is ridiculous! These accounts need deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with transunion to do so. I always have a problem viewing my credit report with them

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 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aswad & Ingraham, LLP
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX I was served at home with a subpoena titled from the XXXX County Court commanding me to appear at XXXX XXXX XXXX on XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX, XXXX. of XXXX and XXXX regarding a XXXX judgment. I am too ill to travel and had explained this to XXXX XXXX XXXX XXXX and XXXX in writing in back in XX/XX/XXXX after he had me served with a subpoena on XX/XX/XXXX. I sent a motion to the XXXX County Courthouse on XX/XX/XXXX to quash. The XXXX County judge called me at home and in a three way conference call with XXXX XXXX XXXX XXXX and XXXX granted my motion to quash and stated that I did not have to appear regarding this matter. XXXX XXXX agreed. 

I called both the XXXX County Courthouse and the XXXX County Clerk on Friday, XX/XX/XXXX. Neither of them had any record of this XXXX subpoena and stated that the XXXX subpoena had been withdrawn on XX/XX/XXXX. I faxed the XXXX County Courthouse a letter and the XX/XX/XXXX subpoena on Friday, XX/XX/XXXX for their records. 

Because of being served the XXXX subpoena on Thursday after the XXXX subpoena had been quashed by the XXXX County Judge and withdrawn and previous asking multiple times for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to cease and desist all contact with me, I filed complaints with your Attorney Grievance Committee, the New York State Attorney General 's Office and now with CFPB.

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 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have very big concerns regarding my home. Select Portfolio Servicing has placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked SPS they say its still active. How if im in review. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with XXXX  to do so. I always have a problem viewing my credit report with them

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 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
on XX/XX/XXXXa mastercard was closed by XXXX XXXX. i spoke with employee XXXX XXXX said that he could only file a comment. he read off that a reporting agency transunion is reporting that i have to many inquirys ( 1 from XXXX XXXX ) my credit score ( XXXX ) usage and balance of the card ( {$0.00} ) were all factors of closing my account, i was told that the card was not a department store card i could use it anywhere. 
Account opened XX/XX/XXXX closed XX/XX/XXXX even tho i did not choose to close this account. 

the rep i spoke with really did not give even after i mentioned that this is an fcra violation. i asked if some one would follow up? he mentioned that this was just be documented for back office.

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 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I just got a bill in the mail saying I owe money to merchant XXXX XXXX, seller XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX XXXX and creditor to whom debt is owed Portfolio Recovery Associates, LLC balance said to owe XXXX. I have no clue what this is and I know I don't owe this I have never had a credit card ever I didn't want the issues that come from having a credit card and if this is a medical debt of some sort I am on Medicaid insurance thru XXXX XXXX XXXX XXXX. The account number for all of this is XXXX Last four of my social XXXX Birthdate XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 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: NJ

Complaint narrative:
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Equifax via certified mailed receipts. After investigating, I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts as well and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, credit bureaus are to provide me with information and physical verification, which I havent received, in order to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 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: PA

Complaint narrative:
Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.

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 2018-05-19 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: NJ

Complaint narrative:
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Transunion via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Transunion is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

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 2018-05-19 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: NJ

Complaint narrative:
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/XXXX. I contacted Experian via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Experian is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

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 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
On XX/XX/2018, I made a {$220000.00} payoff on our mortgage. The XX/XX/XXXX regular payment had already been made with interest paid through XX/XX/18. Instead of charging me interest for 8 days in XXXX, the mortgage company charged me interest through XX/XX/XXXX even though they had the funds. The interest on the {$220000.00} balance@ 3.75 % should have been {$180.00}. They charged us {$710.00}, or {$520.00} excess. They deny any wrong doing and/or mistakes were made and caused the payoff process to be delayed by over 30 days at which time they snagged us for additional funds with which to pay the real estate taxes 20 days prior to the due date. If this is their standard procedure, they are bilking the general public by millions of dollars annually. According to them, I failed to get a " formal '' payoff quote prior to remitting the payoff funds. Copies of all correspondence with them and payment records are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX I have {$250.00} USD in my paypal balance for over 180 days. I tried to add a bank and its not allowing me to. I also tried to request a check but it says my address cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BB&T CORPORATION
State: FL

Complaint narrative:
We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.

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