vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.

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 2015-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ballybunion Enterprises, Inc
State: NV

Complaint narrative:
freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a car loan through Capital One that I got in XX/XX/XXXX. In XX/XX/XXXX, I was in an accident and the car was totaled out. Since I had just recently purchased the car the year before, I was under on the difference. Capital one called me directly and offered a settlement, to which I accepted and paid what they requested in full by the deadline that they gave me. They assured me that it would not negatively impact my credit report/score. However, it has and continues to impact my score/report. The first time capital one reported this account to my credit report after I paid the settlement, it was showing as if I was derogatory on making my monthly payment - even though the loan had been paid via the settlement. I called capital one to dispute this, and after several attempts, they finally changed the status to a closed account. Now, as I 'm applying for a home loan, I find out that capital one recently updated the closed car loan account on my credit report, and is it showing as if it 's a new derogatory account, even though it 's from several years ago. It has reduced my score and is significantly impacting my report. I will never, ever do business with capital one again. I am asking that this error is resolved so that it does n't look like I recently faulted on a car loan that was settled with capital one almost 5 years ago. It is reflecting as being updated on my XXXX report in XXXX XXXX. However, on my XXXX report, it reflects the last update as XXXX/XXXX/XXXX - which is what it should be as that 's the date of when our settlement was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is blocking positive information from reporting on my credit report. I am an authorized user on my husbands XXXX and have been since 2001. XXXX reports authorized users each month and Transunion had reported it on my credit bureau report for years. I am trying to buy a house so I recently contacted Transunion to ask them to update balances etc. on my credit report for my XXXX. I only wanted them to report accurate information. They advised me to file a dispute with them so I did. ( see attached example ). Transunion instead of updating my raised credit limit and XXXX balance instead DELETED the positive account from my report. I was then told by dispute department that because I was an authorized user and I filed a dispute they immediately removed it and they would never allow it to be reported again. I only filed the dispute because that is what THEY told me to do. Because of one of their employees errors my credit score suffers. XXXX established length of credit for me as I have had it since 2001. I worked with XXXX and they reported it on XXXX XXXX and also manually on XXXX XXXX but Transunion is blocking it. If you check reports prior to XXXX XXXX you will see that XXXX reported on my account. XXXX XXXX XXXX ending in 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 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Check Security Associates, LLC
State: NM

Complaint narrative:
Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Secure Capital Management, Inc.
State: OH

Complaint narrative:
Received a phone call from my mother stating that some contacted her pertaining to a legal matter and wanted to meet me jn person. I returned the a message o my phone from the same person who answered the phone " hello ''. I told them i was returning a call and he said my name then started asking personal questions. I interrupted him and stated I would give no information without verification of who he was. He mumbled " SCM '' a few times before i asked him what " SCM '' was. after a few times of asking he told me Secure Capital Management. He asked when the best time would be for me to be home and meet someone who would be delivering me certified legal papers for me to sign. He then went in to give supposed details of the balance owed, to whom, the date opened, and what he could settle it for. I told him I would contact my legal counsel and they could deliver the paperwork to him. He stated he had to have this taken care of by end of business today or they would go forward with garnishment and court proceedings. I let him know that it would cost them way more to take it to court than the little {$390.00} balance I was to supposedly owe, all I want is official paperwork proving the debt. I told him I would need confirmation of a debt owed and he stated that its legit and would be on me to prove its not because all my personal information was tied to it. I told him I had no problem paying the balance if I received paperwork or something showing this debt owed was true and the company was real, I explained to him I was not handing my personal information over unknown if it was a scam or not because how he answered the phone and with never receiving a bill or phone call prior to this date. He stated that he would send me an official email but I had to call him back within an hour so he could follow up with the clients for further legal action if needed and I ended the call. He never relayed to me that it was an attempt to collect a debt and any jnformation would be used for that purpose. I confirmed with original debtor that there was an outstanding balance and did call the company and spoke to another staff to pay the debt. Debt was paid but he did relay the information I requested from him that the original staff name was XXXX XXXX who gave out my information without ensuring it was me, did not tell me that this was a call to collect a date, and that was dishonest about it having to be finished today or court proceedings would begin. Can theh call and tell you to set up a time to have someone meet you to sig for certified legal paperwork? I thought court papers would be mailed certified amd signed for through XXXX or delivered by county sheriff and signed for through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.

Company response to consumer: Closed with explanation