vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

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 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 
3. Letter from XXXX XXXX XXXX XXXX collector. 

Thank you for your help. 

-XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
The Bad Guys are Paypal!!!!!! Thank you for contacting us about your recent PayPal XXXX XXXX transaction in the amount of {$74.00}. 

We are researching the transaction but need you to send us the following statement, in its entirety, to assist with the dispute : Please reply by XX/XX/XXXX. You can simply reply to this email, send the information to XXXX, or fax it to us at XXXX, Attn : DC Chargebacks. Make sure that you include XXXX in your subject line or on the coversheet. 
Transaction Date XX/XX/XXXX, Transaction Amount - {$160.00} USD, Merchant Name XXXX & XXXX XXXX  XXXX - Transaction Date XX/XX/XXXX  Transaction Amount - {$22.00} USD, Merchant Name XXXX XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$11.00} XXXX, Merchant Name XXXX XXXX  XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$14.00} XXXX, Merchant Name XXXX FILL XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$67.00} USD, Merchant Name XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$12.00} USD,  Merchant Name XXXX XXXX HA - Transaction Date XX/XX/XXXX, Transaction Amount - {$9.00} USD, Merchant Name XXXX XXXX # XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$3.00} USD, Merchant Name XXXX XXXX XXXX XXXX  also have to pay out {$75.00} in late payment fees in all of my bills and utilities and student loan payments and car payment along with rent! because the bad guys shut the account because i told them the truth! 

*I did not authorize the following transaction : XX/XX/XXXX XXXX {$74.00} *The transaction is unauthorized because : From The Bad Guys

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX. 
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required. 
XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 
A stop payment was issued on my behalf by the XXXX XXXX BMO branch. 

XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 

Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease. 

BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue. 

19 phone calls to BMO, a total of over 9 hours of time on the phone.

5 phone calls to XXXX for a total of 1 hour.

5 separate days with no money available in my account.

At times, rude treatment, especially from BMO bill pay department. 

Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I was checking my credit report and saw that there was a collection account for over {$7800.00} that it states it was open XX/XX/2014. This debt is with a hospital. I was not in this state at that time plus I had insurance at that time. I have not ever received any written communication from the collection agency to verify this account. I also went to the hospital and they had no record of this debt. I wrote them a letter and informed them that this is not my debt and asked that it be removed from my XXXX  credit report and all others. This company refuses to remove this erroneous information from my credit file.

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 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: RI

Complaint narrative:
For the second year in a row, XXXX XXXX has claimed that I had no hazard insurance on my property and purchased insurance on their own to cover my property. The property is part of a condo development and insurance coverage is automatically purchased every year by the condo association. I have owned the property for 15 years, through two previous banks. There was never a problem about proper insurance coverage until Statebridge bought the mortgage. This year, when I finally located all the insurance information and it was sent to them, Statebridge pocketed the funds that I paid to them while waiting for the insurance information. Statebridge has not refunded the insurance premiums in the amount of {$330.00} I paid to them to avoid issues of non-payment since they attached the cost to the mortgage statements. They were refunded a total of {$990.00} by their insurance company. 

I want Statebridge to correct the mortgage statement to reflect the actual monthly mortgage payments that should be paid - {$730.00} and to refund the {$330.00} I paid to them for unneeded hazard insurance. Last year, we went through this same issue and finally resolved it when the condo association insurance company provided insurance documentation directly to Statebridge. Statebridge then sent me a check for the amount I had paid to them for unneeded hazard insurance. This year, in XX/XX/XXXX I was told the same thing - that the insurance coverage had expired and unless I provided evidence of coverage, Statebridge would purchase insurance and charge me. A simple review of their own records would have been sufficient to check renewal of coverage. When I talked with the Statebridge insurance contractor, they had the name and phone number of the condo association but claimed to have no info on the condo association 's insurance carrier. I suspect this is a way XXXX XXXX is getting additional funds to use for investment purposes or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2017, I had just returned to school from XXXX break and I received an email saying my account had unusual activity. When I checked the account, someone had hacked my acc and uploaded fraudulent checks. I immediately contact Bank of America and informed them. They begin to accuse me and closed my account. The representative was really nasty when I informed him that I did not do this nor did I attempt to spend anything from these fraudulent transactions. I asked them to investigate this before closing my account because I did not want thi to affect my credit going forward, however they didnt. From my understanding when I was speaking to the representative he told me the account would be closed.

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 2018-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, I, XXXX XXXX, mailed in a check to of {$15000.00}, On the check memo I specified " principal balance '', I also made sure to mail to the corresponding PO BOX that was provided to me via customer service. I had been speaking to customer service about doing this weeks prior to avoid my funds being misapplied. It has been two weeks and I am still with customer service trying to have this misapplied credit be corrected. My funds are still being misapplied and this action needs to be corrected immediately. The funds were divided within monthly payment instead of my funds being applied to Principal Balance, although identified numerous times. I am getting the run around and this is time sensitive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: MT

Complaint narrative:
In the attached, the Company XXXX XXXX XXXX has three bills from medical providers that did not send to insurance, I have called and sent a letter indicating that they need to be billed to insurance ( in attached ). They just sent everything back and would not do as I asked in the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have tried repeatedly to obtain a loan modification have been asked for the same information three times and verified that they received it and it was what was requested the last time i was denied according to them due to the fact they stated that they were blocked on my telephone the only block that was on my phone ( it has bee turned off ) was annomoyous callers they have since been calling me on my business phone in spite of repeated requests to only call my home what kind of bank hides their caller id when dealing with a consumer they are attempting to supposedly help

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 2018-03-11 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: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.

XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.

They are taking anything that I am supposed to get back from my Income taxes to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
a year ago a trial mod was given and extended trial mod payments were applied to XX/XX/2011 mod allegedly which was a gray area, DTI AND NVP were not entertained as asked, ... ..Attorney was not applied as discussed by XXXX, XXXX XXXX XXXX , she said the third party letter of authorization was not pertaining to her, she did not know of XXXX XXXX XXXX that told me she would be my attorney in XXXX Nj and actual never had a office there as they stated as I requested, ... ... .Bar ASSOCIATION gave me a P.A. #, ... ... .Other attorney in XXXX now that was representing me in foreclosure rescue scam. XXXX XXXX, XXXX XXXX was impersonating a Attorney also. she was practice manager /paralegal responsible for $ withdrawl and FEMA fraud XXXX loan trying to acquire free money through fraud. He is no longer aloud to practice law in NJ BUT my real estate issues are not corrected XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Thank you so much for your help with my previous request. I have had success getting the 4 tradelines deleted from XXXX  and XXXX, however, Equifax is not complying with the instructions to delete the tradelines from my credit profile. I have submitted a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX but Equifax states that someone from XXXX XXXX verified the items as accurate electronically. I sent them a copy of the email you provided which states that the tradelines have been processed for deletion and they still will not take the accounts off of my credit report. If possible, can you please send Equifax some information to let them know that they need to delete the  accounts or have a representative from your firm contact them directly? It would be greatly appreciated! Thanks in advance for your time and consideration and I look forward to hearing from you soon! 

Best regards, XXXX XXXX Account : XXXX Dear XXXX XXXX XXXX, Thank you for your email with XXXX   received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at ( XXXX ) XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX - XXXX XXXX, and Friday, XXXX XXXX - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I consolidated several of my credit card accounts. We had two hardware store accounts, one with XXXX, and one with another store. I had misunderstood in the loan process which of the two accounts were being paid in full. Therefore we had not made another payment on the XXXX  account. Our loan was finalized the end of XX/XX/XXXX and payoff checks were sent the 1st part of XX/XX/XXXX. I was working out of town most of XX/XX/XXXX and when I came cross the bill showing it was not paid, i promptly made a payment -- well over the min due. I pay double or more than my minimum every month, this was the first time I have ever been late on an account. 

I have not received any phone calls, emails, or additional correspondences alerting me the account was past due. One would think if an account was two payments late that phone calls would be flooding in daily, multiple times a day. I called XXXX CC services and asked them why we did not receive any phone calls, or if they could confirm calls were made. After being transferred to 4 separate agents all i was told was the procedure is to go into a dialer but no one could confirm any calls were actually made to my phone. I can assure you, if i would have received a phone call, I would have answered it, and i would have paid immediately. My credit is important to me, and i have worked hard for the credit score i have today. Yes I should have been more aware of this account not being included in my payoff. However I fail to not fault XXXX somewhat in not providing any notification at all to alert me of something wrong with my account. This one blemish has dropped my credit score significantly, and it is not acceptable. I have asked XXXX if they could rehab my account or provide me with a courtesy adjustment. Yes agencies are required to report accurate information, however agencies are permitted to make adjustments, and this courtesy is intended for consumers who have made an honest error, and again had XXXX contacted us when they did not receive our payment in XX/XX/XXXX this never would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my TransUnion account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX Who also conducted a hard inquiry on my TransUnion account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

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 2018-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from capital one.This account has been closed since XX/XX/XXXX. The full balance was paid. Capital one still shows a negative account on my report. I disagree with this negative report from capital one. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX, I bought a new car from XXXX XXXX in XXXX. On XX/XX/XXXX, I found out the dealer falsified my interest rate, corruptly increasing my preapproved rate of 0.09 % on my XXXX, XXXX credit scores, without my consent, justification, or authorization to 6.65 % over what was approved to be by CapitalOne Auto Finance, at 0.9 %. That low rate was advertised on TV in the Washington, DC area. 

In further review and speaking with CapitalOne Bank 's local CSR and Mgr., it was confirmed that by XXXX XXXX increasing by fraud, my interest rate, their criminally inflated processing fee of {$700.00}, while also fraudulently including the {$800.00} GAP and {$4000.00} Warranty, exceeded my approval for a different car CapitalOne was ap approving at {$39000.00}, not {$45000.00} at payments of {$450.00} instead of {$760.00}. 

Since XX/XX/XXXX, CapitalOne Auto Finance has repeatedly made excuses why it will not correct by refinancing my discovered illegally made RISC ; And CapitalOne has also ignored XXXX XXXX 's TILA and FCRA, consumer fraud It, CapitalOne Auto Finance knew, was [ made ] aware of, and both XXXX XXXX and CapitalOne had, thereafter, engaged in a criminal scheme to perpetrate against a consumer, consumer fraud conspiracy under Federal and State 's criminal Statutes and Codes, Laws, making it a crime for a bank to know of TILA, FCRA, contract frauds as demonstrated and shown by the facts and documented evidence. ( See. FTC v. Auto Dealer 's FRAUDS, XX/XX/XXXX ). 

According tto CapitalOne Auto Finance, their attorneys ordered and directed XXXX XXXX to cancel the first contract and rewrite the new contract with the removed illegal charges, interest rate and with the correct total of the loan not to exceed {$39000.00}, their maximum new car loan amount being {$40000.00}. 

Can your firm help me to have TILA and dealer fraud and consumer fraud criminal charges instituted against XXXX XXXX, its business manager, and owners who repeatedly have ignored CapitalOne Auto Finance 's directives to cancel and rewrite and that has since cost me more than {$4000.00} in excessive car payments, interest charges, and other charges that was incurred to keep my XXXX, excellent credit score. 

Thank you. 

Respectfully yours XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation