vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: VA

Complaint narrative:
Capital One bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by Capital One due to my credit limit of XXXX dollars.

I have attached document from Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXl XXXX bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by XXXX XXXX due to my credit limit of XXXX dollars. 

I have attached document from XXXX XXXX regarding this 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 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, I received the Bill of Credit card of Bank Of America On XX/XX/XXXX, I have attached a copy of that email. I went to the brach of the bank of America on XX/XX/XXXX to pay off the total due, where according to statement and email my due date was XX/XX/XXXX, but at the branch, banker told me that account has been closed so they can not pullup information for my account and suggest me to call customer care so I called customer care to know the total due amount, customer care representative told the same amount which was in the earlier email, I asked him to tell the total amount including interest, fees, balance, and any other charges so representative told me final amount was {$6300.00} I asked representative again " will I receive any statement after doing this payment or do I have to pay anything other than the amount of {$6300.00}? '' Then the representative said after doing this payment you will not get any bill or statement because this is the final due amount and don't worry you don't have to pay anything after this payment. So, I paid the total due amount {$6300.00} on XX/XX/XXXX and after that, I received 1 more statement on XX/XX/XXXX with due of {$34.00} ( see attached file ). 

After receiving this email I get XXXX XXXX and I called customer care on XX/XX/XXXX where I spoke with supervisor name XXXX and I explained and asked her why I get charged again & for what? so she accepts the mistake of the previous representative with whom I spoke on XXXX of XXXX, XXXX while doing payment, and after accepting mistake she registered complaint and gave me this tracking number XXXX but she told that I will not get reversal of charges due to bank policy. 

so that is the reason why I am writing this complaint here.

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 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX- I tried to pay my XX/XX/XXXX payment using the online services on NewRez website. When I selected the XX/XX/XXXX payment and the computer must have autoselected the XX/XX/XXXX payment, so when the payment went through, it was for two payments {$2100.00}. I only had enough money in my account for one payment. I called NewRez when it opened and was told by one of the representatives that the transaction would be cancelled and I could possibly resubmit the payment by the end of that day. That did not occur. 

XX/XX/XXXX I received a credit of one payment to my account XX/XX/XXXX I called and spoke with a NewRez representative " XXXX. '' I told him that money was deposited into my account and that I was unable to pay my mortgage using the website. XXXX advised me to leave the money in my account over the weekend and that NewRez would recognize their mistake and take the money back out of my account. 

On XX/XX/XXXX I called NewRez and was transferred to the XXXX XXXX side of the company. I spoke with XXXX XXXX who told me that I owed {$5100.00}. I was transferred ( escalated ) to XXXX XXXX who said he would return my phone call after he investigated my claims. 
On XX/XX/XXXX I spoke with XXXX XXXX by phone ( XXXX ), who called me to tell me that I was behind three months because I had a NSF on XX/XX/XXXX. I asked XXXX XXXX why my XX/XX/XXXX payment was not credited to my account and why did I receive a payment credit to my account from NewRez. He did not have an answer. He said he would escalate my account and that someone would get back with me. I asked him why I could not pay my mortgage online and he said that there wasn't any restrictions. 
I attempted to pay my mortgage online XX/XX/XXXX and was unsuccessful. I received a message that stated that my account was more than 3 months overdue for payments. 

XX/XX/XXXX sent a paper check to the payment address in XXXX. When I returned home, I received certified mail that stated the correspondence was " Notice of Default and Intent to Accelerate ''. The letter states that I owe a sum of {$5100.00}. This sum includes late fees from another lender that were in dispute, because just like this lender, the past lender accused me of not making payments when I did. The previous lender also tried to charge me for attorney fees when it was determined by CFPB that I was correct. The letter states I have 45 days to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I've reached out to PENNYMAC LOAN SERVICES L and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. 

Account Name PENNYMAC LOAN SERVICES L Account Number XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I've reached out to NISSAN MOTOR ACCEPTANCE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name NISSAN MOTOR ACCEPTANCE Account Number XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2019, I was threatened to make a wire transfer in the amount of {$26000.00} from my bank account ( Bank : Bank of America ) to a fraud person claiming to be a social security agent. I filed a claim with the bank but it did nothing to help me receive my money back. I also filed a police complaint but even the police put up their hands. The Police report # is the following : XXXX. I request to please help me with this matter. That honest, hard-earned money was going to be used for a significant life goal I was trying to accomplish. I would really appreciate any help I can get. The bank is inefficient at this point in doing anything.

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 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I and my aide came to Santander Bank in to purchase tttle explahree bank checks for my landlord XXXX XXXX. XXXX XXXX later told me three bank checks bounced and tried to evict me on XX/XX/XXXX. I went back to Santander Bank in XXXX trying to talk to manager XXXX XXXX why she canceled three bank checks, XXXX simply kicked me out without any reason. I and my aide then went to XXXX XXXX  XXXX XXXX branches seeking answer and help. 

Santander Bank employees at XXXX XXXX XXXX XXXX branches tried very hard to help me by contacting back office in vain. By the ways employees at XXXX XXXX XXXX XXXX branches asked me questions and conversations with back office I could sense that the manager XXXX XXXX absolutely provided back office with false information about me and my aide in order to give me hardship on purpose. Employees at XXXX XXXX  XXXX XXXX apologized to me and my aide over and over that they could not provide us with further assistance by XXXX XXXX 's directive. 

I assumed that XXXX XXXX told back office many people were involved and I was some kind of fraud victim such and such. My aide was in tears in front of Santander Bank employees and said to them that no one deserved this kind of treatment from XXXX XXXX because I was in wheel chair with XXXX XXXX. Legal action is next if something bad happens to me.

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 2020-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I tried to set up bi-weekly mortgage payments in an attempt to make an extra mortgage payment per year. The mortgage company is denying me this option unless I pay a full mortgage payment up front. Please see response below : PennyMac offers a bi-weekly payment service, where the equivalent of 13 payments are made within a 12 month period and to be eligible for this program, you must be paid one month ahead. You can also achieve the same result of having 13 payments applied to your account annually by having automatic monthly payments drafted as opposed to bi-weekly payments and having 1/12th of your monthly payment drafted as a principal curtailment. If you still wish to enroll in the bi-weekly program, please contact our Customer Service Department at ( XXXX ) XXXX for enrollment. '' But the odd thing is they say I can do it using my bank 's bill pay. I am unsure on why they are ok with me doing it on my bank 's site but they do not allow you to set up bi-weekly payments i.e if I pay XXXX 's payment on XX/XX/15 and XXXX I'm actually ahead by half a payment aren't I?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC
State: KY

Complaint narrative:
I received a letter about a garnishment order for a debt from XXXX XXXX. I had wages garnished the same day I received the letter as that was a payday, with no opportunity to stop it. This happened XX/XX/XXXX. 

I called the number in the letter the same day. XXXX, who answered, told me this debt was an online loan made XXXX XXXX, XXXX. There is no record of collections on my credit report, or of this loan. XXXX told me I need to fax or email copies of my bank statements from XXXX XXXX to her company, Apex Servicing, and also file a police report of fraud and send that information. I have not and will not do either. However, my employer said they have to comply with wage garnishment orders and are not sure I will get my wages back. I have since researched both Apex Servicing and XXXX XXXX and found they have been reported to be fraudulent debt collectors. It's incredibly unjust they were able to have my wages garnished with no advance notice and with a false claim of debt owed by me. 

Also the email received says the loan agency is XXXX XXXX, contrary to what it says in the letter mailed that identified them as XXXX XXXX. They didn't even keep the loan agency name the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
On the evening of XX/XX/2019 I called the AAFES Military Star number to report I was a victim of identity theft and a Miltary Star Card was opened in my name. The representative refused to take any action to prevent charges on this card and refused to file a report. I was told to call the fraud department in the morning. I called the fraud office and they asked me to send an email which I did. I called back to confirm receipt but the AAFES representative initially refused to contact the fraud office. They promised I would receive a letter but I havent. AAFES has not taken any action and is guilty of malicious libel criminal negligence by allowing a fraudulent card to be opened and continued to be used and is breaking the law by not complying with Fair Credit Reporting 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
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm attempting to temporarily lift a credit freeze with Experian. The website service says it can not lift the freeze and directs me to call a number. When I call the number ( XXXX ), the automated phone system will not let me speak to a real person and will not give me the option to unfreeze my credit.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX   XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. ) UNABLE TO PROVE BANKRUPTCY CASE # XXXX DATED XX/XX/1992 2. ) UNABLE TO PROVE THAT XXXX XXXX FUND PAID FOR THIS CREDIT CARD. 
3. ) UNABLE TO PROVE THAT CREDIT CARD PURCHASED PLANE TICKET UNDER OUR NAMES. 
4. ) THIS CREDIT WAS NEVER AUTHORIZED BY US. 
5. ) THEREFORE, THIS CREDIT CARD IS FRAUDULENTLY OPENED & 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 2020-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We received fradulant purchases from Macys Credit card, the purchase was made XX/XX/2019 and as soon as we received the statement in XX/XX/XXXX due XX/XX/2019 we called and registered the fraudalant claim of 2 vaccumms totaling XXXX. Our account number was stolen and we had just activated the card. It would of been the first purchase. We then contacted our XXXX XXXX company and then all credit bureaus and they immediately flagged our accounts. They will be flagged for a year which means it will be difficult to open any new accounts. Also we had not had any credit purchases with a Macys card in several years. 
When they sent us a new card we made a decision not to activate. XX/XX/XXXX which was received today XX/XX/XXXX that we will be responsible for all purchases. The letter states we received benefit from the charges made in this account, the facts of the investigation did not support your claim. We are law abiding citizens and we did not make these charges. What are our rights and how can we Prove we did not make these purchases. Sincerely, XXXX and 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 2020-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL

Complaint narrative:
Company calling themselves XXXX XXXX XXXX. Have contacted a 3rd party person, regarding a debt they claim I owe. They have given information to this 3rd party to include last 4 of my social security number. They then threatened to have someone come to my employer and serve legal papers on me. 
These calls occurred XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. I contacted their office on XX/XX/2019 and requested they cease communication with the 3rd party. However, the calls continue to the 3rd party cell phone. 

Upon contact, was able to determine they are a debt collector and are attempting to collect on a tertiary debt. The claimed debt is at least 5 years old and outside any legal Statute of limitations for my state. Asked for address to mail a cease calling letter and they refuse to give an actual name or address. 

The phone number they leave to call back to is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.

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 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I had a credit card with XXXX which was charged off in XX/XX/XXXX in the amount of {$2300.00}. On XX/XX/XXXX, I could not use a debit card, called my bank and they told me I had a levy put on my account in the amount of {$6100.00}. They referred me to the XXXX Sheriffs dept. I called the XXXX   sheriff 's dept. which informed me that I had a judgment against me, they gave me a phone number for XXXX XXXX XXXX which turned out to be the Law offices of Robert J. Colclough , III. I called and he informed that he represented XXXX XXXX XXXX XXXX , XXXX. I contacted XXXX the original debtor and they sent me a letter which stated the account was sold in XX/XX/XXXX to XXXX XXXX XXXX. 
I had never received a judgment or notice of a judgment or was ever served, so I went to the courthouse in XXXX XXXX XXXX, XXXX XXXX division and pulled the paperwork. I found that the XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX sent a notice dated XX/XX/XXXX, stating that they represented XXXX XXXX XXXX XXXX , XXXX According to all of the paperwork, I was served 7 times, none of which I received. Some to a residence I no longer resided. On XX/XX/XXXX, the judgment was substituted to the law offices of Robert J Colclough III, to continue with the case, On XX/XX/XXXX, the law offices of Robert J Colclough III, finally sent me a notice that I owed {$6100.00} and to contact them with payment arrangements. Since they already levied {$3700.00} from my bank accounts ( my Mother 's inheritance ), On XX/XX/XXXX, I faxed them a letter requesting that they accept the amount of {$3700.00} as payment in full and to please file a " satisfaction of judgment '' with the court. and to close the case. I did not get a response from them. On XX/XX/XXXX, XXXX XXXX XXXX XXXX filed another levy notice from the XXXX Sheriff 's dept. requesting {$4100.00}. They did not subtract the amount of {$3700.00} from the original {$6100.00} that they had received, nor sent notification or acknowledgement of receiving the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation