vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Took out a homeowner 's loan in the amount of {$110000.00}, in XXXX with Fifth Third Bank of XXXX, Ohio. At the time, the company advised that I would be paying PMI due to the loan amount being more than 80 % of the property value. In part, this was due to the housing market crash. Before the crash the property was valued at greater than {$130000.00} by Fifth Third Mortgage on XX/XX/XXXX. I have the original property evaluation. They told me today that my property is only worth {$100000.00} and since I owe them {$100000.00} I will never get out from under the PMI, since I now owe over 100 % of the property value. They said that, no kidding ....!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!

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 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After filing one complaint against XXXX XXXX XXXX, I am now complaining about how Capital One Auto Finance is handling my payoff to XXXX and generally, my new account with Capital One. Weeks after telling me they have sent a payoff to XXXX, nothing has happened, except that now I have not one, but two car payments due in XXXX. 
The delay is costing me money in interest on my XXXX account, but also it is an outrage that I am still seeing payments to two separate companies for the same car in the same month, a total of approximately {$380.00}, with the first of the two payments ( to  XXXX XXXX still showing due on XXXX. 
I can not understand or accept why sending a payoff check and crediting it to my account can be so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A.
State: TX

Complaint narrative:
This is my second time this has happened to me, the first time I did not receive anything and I saw it on my credit report and I filed a compliant with CFPB and thanks to them I was able to fix it. Now I am receiving another letter from a different law office stating I owe them {$260.00} from a medical lab from XXXX XXXX XXXX XXXX, I called them and told them that I do not owe anything that everytime I would get lab work I would pay my copays and if any balance I would pay. They say I have two accounts with them one for {$30.00} and another for {$230.00} totaling {$260.00}, they said I need to call my insurance company and they would help me, I do not have that insurance company no longer and I called them and they said all my copays were paid and to their knowledge I paid all my balances, I have never received no letter from XXXX XXXX if not I would have called. I do not wish this to affect my credit when I do not owe anything, I hope CFBP can help me with this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Payment never late. The amount paid was incorrect by a few dollars, because of an error when paying. I was out of town and my wife made the payment ; she accidentally made the payment for a nominal amount lower than what was due. 
When the error was discovered, it was corrected immediately. Never late before or since. 
GAAP and SEC rules state that Capital One can correct this, just as I did upon learning the amount was wrong, and update my credit report to say never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I paid all my payments before the 30 days and still recievee credit markers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: FL

Complaint narrative:
I submitted a validation letter to Transunion on XX/XX/2018. My investigation was open the next day. I called and verified with an agent. The results were completed in mailed to me. I received them on Saturday, XX/XX/2018 in the mail. The following items were not validated, but instead " verified as accurate. '' Now I have to resubmit another letter and wait yet another 30 days for validation of the said debts? Please assist, as Transunion is not following the law. The debts are below : -XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX   XXXX XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TX

Complaint narrative:
Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.

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 2018-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Creditor reported debt that is outside of Texas SOL on my credit report. No written communication sent to debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
amex business gold credit card. 
received invitation in the mail to apply for this card, spend {$5000.00} and get XXXX bonus points, amex has been trying various excuses to not pay out their bonus. however, during the online application, they do put up a box just before the credit check advising if they are going to go back on their promised offer for any of several reasons. this way applicant who see the box can decide if they still wish to proceed. 

they sent me a personal invitation to apply for the card and get the bonus. 
during application they did not put up the box saying I was not eligible. 

now after my spent amount they are going back on their offer saying that I was never eligible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife purchased a washing machine on XX/XX/XXXX for installation in my new home that was under construction. 
When the house was ready we informed the merchant and expected delivery. 
Merchant refused to deliver, stating that my credi card company ( Bank of America ) had not transferred the funds to his bank ( XXXX XX/XX/XXXX ) The sum of money {$420.00} is in dispute. 
My account was debited accordingly.

My wife has made 23 calls to various personnel at B of A. 
She spent a couple of hours with the merchant at his bank trying to trace the alleged BofA transaction. 
XX/XX/XXXX requested written evidence that BofA made the transfer. 
BofA refused to send the documentation. 
We received a letter from BofA dated XX/XX/XXXX stating that our account had been reviewed by the bank and that the charge was no longer being disputed -- totally erroneous. 
Several calls were subsequently made by my wife, and yesterday I personally went to the XXXX Ca branch of BofA to speak to a bank officer- We both had a telephone conversation with a BofA rep from Utah , XXXX XXXX -- very civil and accomodating. 
However he stated that he could not send any written confirmation of the transfer -- he quoted a reference number XXXX that he suggested we give to XXXX XX/XX/XXXX for subsequent investigation of their records. 
This ' '' might '' prove that BofA had sent the funds. 
Having been effectively fobbed off by most of the Bof A personnel whom we called ; Having coordinated things with both the merchant and his bank-to no avail, the situation has become extremely frustrating and unacceptable. 
Therefore we request assistance to resolve it

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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX county MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. The loan office is : XXXX XXXX. e-mail : XXXX Phone : XXXX His manager is XXXX XXXX e-mail : XXXX Phone XXXX. I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. May be there are other reason like our age and others we don't know why they discriminate us. I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. Thanks,

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 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical  records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I called and asked for the total balance owed and then made an ACH payment over the phone to Seterus in the amount of {$4500.00} for XXXX and XXXX and was charged {$10.00} which I was told was included in the payment amount. Due to a mix-up at my bank, the ACH payment was rejected/returned on XX/XX/XXXX. On XX/XX/XXXX I called Seterus as my online account still showed I was current. I was told that my balance due was {$10.00} ( the rep could not explain why I still had a {$10.00} balance when I had called in to get my full amount owed! ). He then said that I since I knew the payment would be returned that I could make the payment again. I did not elect to do this as I felt that if I made the payment at that time it may be considered as extra payment, not payment for XXXX and XXXX. I checked online and via automated phone again on XX/XX/XXXX and Seterus still showed my as current. On XX/XX/XXXX, my online account showed that I owed the XXXX payment, but not the XXXX payment. I called Seterus and the rep told me that the XXXX payment showed returned, and that the XXXX payment showed paid, but that the XXXX payment was in a suspense account. She could not explain what this meant, and could not transfer me to her Manager as she said he was not in today. She also stated that it could take up to 14 days to correct! This would make my XXXX payment 60 days late! When I asked if there was anything she could do, she said everything was automated and that if I made a payment today it would be for the XXXX payment now due. She also stated that there was no way to talk to the " payment people ''. When I insisted, she said she could send an e-mail asking them to check into it - which she said she did. She then asked when I would make the XXXX payment! - I'm still trying to make the XXXX payment!! 
Here are my issues : 1 ) I called for a full balance to pay for XXXX+XXXX+all fees and paid {$10.00} for the phone payment and was not give the right amount. 
2 ) Neither rep said I could make a payment to avoid my XXXX payment going 60 days delinquent and that they could document that it was a XXXX payment 3 ) The rep told me that XXXX showed paid yet that same amount was in a suspense account. And could not explain what that meant. She did not offer to further investigate and only did so when I insisted. 
4 ) There seems to be no escalation process for issues 5 ) After asking twice to speak to her Manager and getting stonewalled, she then told me he wasn't in today.

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Call is from Citi Cards. They keep calling me over a MasterCard debt. I finally decided to address them today in-depth after I've already told them before not to call. I told them I do not have a MasterCard. I told them very firmly. They accused me of yelling at them when I was just firmly stating I do not have a Mastercard. At which point I said I only have visas that's how I know I don't have a MasterCard debt. Then they said well that's great we can help you with your Visa debt to you can save thousands of dollars. I said no thank you please take me off the list. They refused to even listen to me. I ask to speak to a supervisor. I asked repeatedly. He kept interrupting me and finally said I am the supervisor. I said great. Please remove me from the list. He refused and kept telling me no no no no no no. This needs to stop. I told him he would be reported.

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 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: VA

Complaint narrative:
This company called looking for XXXX. I dont know a XXXX but I do have a son named XXXX. They said it was a personal business matter and insisted that I pass along the information and read back the phone number to them. By the time I realized that this was a collection agency calling me about someone elses issue. And by telling me the name of the company they disclosed the nature of the personal business. Anyway. There you have it. They have no business calling me and Im not sure how they got my number, Ive blocked them. 

SIMM associates is a scam the number they called from XXXX doesnt even match the number she gave me. So ... is she just a thief or a con artist? 

Thanks -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TX

Complaint narrative:
Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ). 

On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover. 

On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine. 

On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name. 

This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.

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