vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I applied for a home loan from company XXXX XXXX   company who is associated with Carrington Mortgage located in XXXX, TN XX/XX/XXXX. My loan officer name was XXXX XXXX. It took her about a day or two to see if I qualified credit wise and I did. My credit score got me qualified for an FHA loan and I asked for XXXX mortgage loan. She got all of my documents and told me that she couldn't use some of my income because it was from my business and I need to be in business for at least 2 years in order to file it. So she denied me for the loan BUT she never ask me if I wanted a smaller loan. I actually had to bring it to her attention if I qualified for anything lesser than I originally ask for. Because I ended up finding a home for a little of nothing and I was going to fix it up. I asked for XXXX mortgage loan and she said yes I can do it. That's when things went left! All of a sudden she had so many meeting that she wouldn't answer the phone and could barely email me back in a timely fashion. She would ask for additional types of documents and bank statements which I indeed provided to her. On XX/XX/XXXX I asked for a Prequalification letter, she hits me with I have additional questions I need answered and I answered those as well. I asked her what was the need for the additional questions she replied, so we won't have to do them after I get the loan. The last time she ask me a question and for documentation was on XX/XX/XXXX and again indeed sent it to her. I never received my pre-approval letter! On XX/XX/XXXX I tried calling her no answer so I emailed her and she replied I never received the documents I asked for on XX/XX/XXXX and I replied I did send it to you and I even copied and forward the information to her. Also on XX/XX/XXXX I email her supervisor XXXX XXXX and explain to him what was going on and I was waiting on my approval letter. Guess What! ... I never got a reply from loan officer XXXX XXXX nor her supervisor XXXX XXXX from the email I sent both of them on XX/XX/XXXX. I feel like I was done this away because of my race and I'm deeply hurt by this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I have been contacted via phone and mail by MCSI collector on numerous dates for the past 3 months, I have asked them to stop calling me or risk a lawsuit by non-compliance. However, I have been receiving calls on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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:
Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: ID Analytics, Inc.
State: MT

Complaint narrative:
I received a letter from XXXX XXXX dated XX/XX/2019, indicating I was denied credit because of a low credit score. The list of reasons for the low score provided by XXXX XXXX make clear that the file held by the reporting company XXXX XXXX contains errors. I have attempted to contact XXXX via phone, leaving voice messages several times over the last week, but they have failed to contact 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 2019-05-01 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I had a payment returned payment that I had made to Continental Finance aka XXXX. Once I realized the error, I made a payment of {$120.00} ( XX/XX/XXXX ) and {$80.00} ( XXXX ) to cover and then a regular payment of {$30.00} on XX/XX/XXXX. Today, when I looked at my account, my balance has increased from ~ {$500.00} ( on XX/XX/XXXX ) to {$600.00}. I have not used the card in months. 

I called the company around XX/XX/XXXX to inquire about the balance and what transactions make up the balance due. The customer service rep just kept saying I was past due and needed to pay {$120.00} asap. 

I have asked several times for a statement of charges/payments but they will not provide. When I look under statements online, it just says " no statement available ''. 

I can not figure out why my balance keeps increasing, although I am making payments. I realize there is a late charge and a returned check fee but I have paid {$230.00} over the last 2 months so I should be up to date. My current payment due is {$160.00} and I can't get the company to tell me why or what transactions have posted to my account. How is it that I continue to pay ( haven't used the card in 2 months ) but the balance keeps increasing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AR

Complaint narrative:
These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX  - {$170.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$620.00} XXXX XXXX - {$680.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by Vance & Huffman ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

Vance and Huffman , LLC contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or XXXX XXXX bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I held XXXX particular American Express account since XX/XX/XXXX, that has a {$30000.00} credit limit. In approximately XX/XX/XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XX/XX/XXXX/XX/XX/XXXX.  for American Express, Amex could not find that account at all. At that time, American Express cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, American Express began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact American Express but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to American Express to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Multiple Daily NSF Fees assessed overdrawing my account by nearly {$1300.00}. I reached out to Chase branch XXXX XXXX XXXX XXXX by email for assistance in correcting the rash of overdraft fees which are greater than 30 at this writing. He has not responded nor have any corrections been made to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card. 
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department. 
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor. 
4 ) The Defendant was indited on all counts and charged by the Prosecutor. 
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts. 
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions. 
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DID BALANCE TRANSFERS TO XXXX XXXX XXXX XXXX THAT XXXX XXXX AT CAPITAOL ONE CONFIRMED INITIATED BY CONSUMER THAT CUSTOMER COULD NOT VIEW BUT CAPITAL ONE CAN. THE AMOUNTS WERE FOR XXXX NUMEROUS OTHER TRANSACTIONS TO SAME CREDITOR AND AMOUNT WERE CONSUMATED .THESE OTHER 5 ARE OUTSIDE THOSE TRNASACTIONS AND NOT TO BE CONFUSED WITH ONES SPECIFICALLY BEING QUESTIONED.ALSO ALL THESE CALLS WERE RECORDED, THE INEPTNESS OF CERTAIN REPRESENATIVES I SPOKE IN TRYING TO RESOLVE THIS ISSUE IS BEYOND BELIEF.I LETTER WAS SENT TO PRESIDENT A COPY CONTAINED .THIS IS A NIGHTMARE DEALING WITH THESE PEOPLE. ALL THESE CALLS WERE RECORDED ALMOST EIGHT REPS LAST 2 WEEKS WITH THE CULMINATING FRUSTRATION WITH REP XXXX WHO I THOUGHT GRASPED THE PROBLEM BUT DID NOT XXXX XXXX A CAPITAL ONE IS THE REP TO INTERVIEW

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I paid EOS CCA for my XXXX debt in the amount of {$160.00} which was on my credit report. I am trying to clear up all of my debts and asking for 50 % -75 % reductions on all debts. All debt collection companies have replied with acceptances. This one cashed my money orders but is refusing to take my debt off my credit report. They passed me around on the phone several times repeatedly, let me get you my manager, let me get you my supervisor, oh wait there is this note. I just want this resolved and removed. The next think I know they tell me I owe another {$300.00} and some odd cents. Something I was not even aware of. Then she says when can you pay that. I was so confused! Help me get rid of these people and delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have the next situation : I received a brand new credit card from Citibank with the credit limit is {$600.00} on XXXX, XXXX. And I activated this card on the same day around XXXX XXXX. After that, I created an online account on the bank 's website. Had an issue with that ( password etc ). And when I resolve it couple days later, I found in the bank 's online account, what my brand new credit card already used by somebody else in another State. Was used {$590.00} in three days from XX/XX/XXXX to XX/XX/XXXX. And left only {$2.00}. I live in Colorado, the card was used in Georgia. In that day I opened the claim with the Bank. They started the investigation. And last Friday, on XXXX, XXXX, I received the letter from the Citi Bank. And it says, what they can not to resolve this dispute because this card has an EMV chip and, in their opinion, can not be copied or duplicated. And it was physically used in some cities in State Georgia. But I have never been in State Georgia and I worked on these dates ( XXXX XXXX ) and I have many people, who can confirm it. 
Looks like Citibank has some fraudulent scheme : They created more than one Credit Card, created one or more duplicate of my card or same Card with using my data ( my name, etc ), linked to my account and gave this duplicate or duplicates to some criminal person or people to use it in another state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was contacted on Monday, XX/XX/XXXX by XXXX at Huntington Bank ( XXXX ) in regards to an account for XXXX XXXX. The account was short-paid last month and they have been trying to get in touch with the primary account holder, XXXX XXXX, but had been unsuccessful and needed to speak with me. 

I returned their call on Tuesday, XX/XX/XXXX and informed them that XXXX XXXX is my ex-husband 's business. We divorced in XX/XX/XXXX and I no longer have any interest in the business. I asked them to remove me from the account. 

I was informed that I was a guarantor on the loan and they could not remove me. Again, I repeated that I have nothing to do with the business and am not on any loans. I was told that I was on a loan back in XXXX and they rolled that into new loans in XXXX and again in XXXX. As a result, I am still listed as a guarantor. 

The XXXX loan was repaid, in full and on time, by XX/XX/XXXX. My divorce was approved by the court and I ceased to have any interest in my ex-husband 's company in XX/XX/XXXX. 

My ex-husband requested the business funds in XX/XX/XXXX and XX/XX/XXXX. I was not notified of any loans where I am listed as a guarantor and would not have approved this. I was never contacted by a loan officer to confirm that I wanted to be listed as a guarantor. 

Now, Huntington is telling me that I need to seek legal help to get off the loan or have my ex-husband refinance it without my name to remove myself as a guarantor on a loan I never even knew about. I have been requesting copies of the XX/XX/XXXX and XX/XX/XXXX loans that show me as a guarantor and Huntington is not responding. I have contacted XXXX both via e-mail and phone. I have a copy of the original loan, which was provided by Huntington.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I contacted IQ Data in XXXX. I have been paying my debt both to country and private individuals to include IQ Data. Representative XXXX XXXX and I agreed to a monthly payment in the amount of {$340.00}. This amount was agreed to be deposited on the XXXX of every month. I paid {$340.00} on XX/XX/2019 and {$340.00} on XX/XX/2019. I spoke with XXXX XXXX on XX/XX/2019 in regards to a settlement. The recorded conversation will note that I stated I would contact him if I could pay the settlement of {$1000.00}. I did not contact XXXX XXXX. Therefore, indicating I could not afford it. On XX/XX/2019, IQ Data withdrew {$1000.00}. I called IQ Data and the information given in their defense is false and inaccurate. If the line is recorded, then they will know I did not agree to settle on XX/XX/2019. IQ Data states that they tried to contact me on several occasions on the date of XX/XX/2019 to verify if I could commit to settlement. I have a phone log that states I received no call. IQ Data stated that they left me several voice mails. My inbox states otherwise as my voicemails are forwarded and can not be deleted due to company IT regulations. This company is why people dont pay debt. They are building a defense with no credible information. I request the recorded conversations to be sent to me. If I am wrong I will pay {$1000.00}. I am most certain this is harassment and falsely using information. You will see in attached documents that voicemails have been logged. There is a deleted folder that can not be deleted due to company IT restrictions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are 2 inquiries showing on my report which should not be

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to buy a product online ( XXXX for {$250.00} ) but was scammed when the other person tried to get more money out of me when they said my payment didn't go through. XX/XX/XXXX. I used XXXX which I felt safe using since it was connected to my bank app wells Fargo. I immediately called wells Fargo after feeling doubtful & they opened a claims case. I waited forever just to get a letter saying they can't do anything since I authorized the transaction. ( Late XX/XX/XXXX, XX/XX/XXXX) This shouldn't be connected to a banking app if its not safe to use or protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I personally went to the credit bureau and explained to them any medical Bill 's I've had I was fully 100 % covered I had Medicare Medicaid and an insurance. I was never sent a bill for this. I talked to accountant XXXX XXXX XXXX XXXX is her number. She informed me that these Bill 's are old. She in formed me that all I really owe is something like {$23.00}. On one of the Bill 's.

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