vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a letter from Capital One XXXX XXXX stating " You did not provide two credit card numbers '' and I tried to contact XXXX XXXX to provide two credit card numbers, but after I called XXXX, the automatic answering machine transferred my phone directly to a debt collection agency, and then I tried again, immediately disconnecting my phone, and no customer service representative was available. 

Capital One should know that willful negligent and willful misconduct violate consumer law and anti-trust law, false statement and fraud transition. 

Capital One provided false statements and fraudulent transfers for {$18000.00}. Capital One should return my money to me by XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I currently have a regular mortgage for my condo that is being serviced by NewREZ financial. I am currently paying Mortgage Insurance ( MI ) because my loan to value ( LTV ) has been  greater than 80 %. In XXXX of last year ( 2019 ) I was made aware via a letter in the mail from NewREZ that I could have a BPO or broker pricing option that would value my home and potentially eliminate the MI. This is somehow done via XXXX XXXX because they hold the mortgage. So I agreed, signed the letter and sent it in. I didn't realize that they also wanted a {$150.00} payment. So months go by and i have not heard anything. I give them a call ( maybe in XXXX ) and it is a disaster. First no one I speak of knows what a BPO is. They told me I have to pay {$450.00} or something to get a valuation, and that my LTV. They try to get me to refinance and take out a home equity line and say that will save me money. I decided to see what it will take to refinance with someone else because NewREZ with their sister company Shellpoint Mortgage seem really sketchy to me at this point and I don't even know how my mortgage was purchased by them. I realize refinancing elsewhere is not an option. I send in {$150.00} to NewREZ in XXXX and it is taken out of my principal. Then it is refunded and taken out as a fee or other charge. I call them, several times throughout XXXX and XXXX and it take me a very long time to get a hold of anyone. Most of the operators do not know what a BPO is, they don't see that I paid {$150.00}, they send me to a specialist several times who is a debt collector and doesn't know what a BPO is. I eventually get to a manager a few times and they say, the BPO was never request, or you need to pay {$150.00} or you need to sign something ( all of which I had done and the {$150.00} was reflected on my account ). Eventually I get a random call from some company in Nevada who arranges to send out a real estate agent to value my property. Success. I am reading through the BPO guidlines on XXXX XXXX website, and apparently I am entitled to review the BPO and my lender is required to give it to me. After the appraisal I get a funny email with a letter dated in XX/XX/2019 saying my LTV is over 80 % and still need to pay MI and that i may have to pay down to 60 % LTV if I want MI removed. This is crazy! It then goes on to say I need to get a BPO,  which i just did? Clearly they are making some money off of the MI and trying to avoid having it removed. PRicing in my neighborhood have gone up between 10 and 15 % over the last few years due to gentrification and my taxes are soaring so the {$220.00} MI being removed would really help me. I have never missed a payment. I need some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
When married, this account ( Lane Bryant - Comenity Bank ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with Comenity bank, the bank says it is valid, and the credit ratings remain trashed. Requests to Comenity bank, including copies of the divorce decree proving that it is now her account, go unansered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon upon doing research, it appears that I may have in fact had a past relationship with Fifth Third Bank a few years ago. 
I believe I may have had a past credit card account ( ending in XXXX ) with Fifth third bank a few years ago, then another credit account ( ending in XXXX ) was later opened. Im not sure how. Thousands of dollars have been charged on 1 or both of these accounts. Me and my brother have tried to refer both accounts to the Debt consolidation program ( XXXX ) in which I was advised that they ( XXXX ) would not be able to add the latter. 
I am attaching a screenshot below. 

I believe 1 or both accounts was opened by fifth third bank without my authorization. 
I would like a refund for both cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I make my payments about 10 days after the due date, therefore incurring {$15.00} fee each time. Even though it NOT 30 days past due. However, I still pay the fee by including it in my total payment adding it to my normal monthly principal and interest charge. However, Ally does not separate it out, nor do they have a process to mark it online or over the phone as including an extra {$15.00}. Instead, they keep applying the {$15.00} late fee to the principal and interest every month. Therefor, rolling over late fees every month as if I've not paid them when i have. 

I've tried explaining this to Ally on several occasions. They need to do a reallocation month over month. I've spoken to someone in XX/XX/XXXX, Spoke to XXXX on XX/XX/XXXX Ref # XXXX and XXXX in XXXX Ref # XXXX his employee id is XXXX. They continually state that because of the new year, and their system issues, they are not able re-allocate it in real time and then my request gets lost. They are not able to fix this while on the phone, they state they need to put in a special request and they " notate '' the account. This latest time, on XX/XX/XXXX, I just paid all the fees ( again ) along with my normal payment. The total paid on XX/XX/XXXX was {$690.00}. Then on XX/XX/XXXX they charged me an additional {$15.00}. Mind you, I have never been 30 days late on payment. Lastly, customer service is horrific. They don't listen, they only repeat their pre-arranged scripts and they make you wait on hold for over 20 - 30 minutes to talk to a manager. Each time i have called, i have had to explain the situation over and over again because I'm sure they didn't notate the account, and only told me they did. They fight with you telling you that you are wrong. They don't do as you request, even when only asking to speak with a supervisor or manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I transfered money to an account with Bank of America and it turned out to be fraud. Bank of America refused to compensate me at all even thought they are at fault too. It was {$1000.00} on XX/XX/20 and {$4300.00} on XX/XX/20. No action was taken by Bank of America at all. They are not taking care of their customers at all

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agents : COMMONWEALTH FINANCE Debt : {$1200.00} I am a recognised victim of Identity Theft due to Stolen Identity which has comprised my identity and due to the effect of the XXXX  breach. Over a year ago an Identity Theft Affidavit was filed with the FTC along with supporting documentation which included my police report of the incident were furnished via the disputing process and the creditor and the 3 credit reporting agents were informed of the process. The creditor ; and the 3 ( CRA ) complied but have to date stated that they have revalidated and are re-reporting this account that was fraudulently opened due to Identity theft. The creditor, XXXX, XXXX  and XXXX have disregarded the 605B rules set forth in the supplied guidance document provided which dictates the rule set by the FCRA and is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: OK

Complaint narrative:
When married, this account XXXX XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX  XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.

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 2020-03-16 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: OK

Complaint narrative:
When married, this account ( XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.

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 2020-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a MYEXPEIRAN account which I am unable to login but hen i try to dispute I am getting an error that I cant dispute online. Seems ironic every time I dispute I m unable to access dispute online but can enter my account to see information. Pls correct this issue as this is a hige inconevenice. If youve already verified my account I should beable to dispute in my account. 
As stated in previous dispute ( s ) the below accounts do not belong to me. Pls remove : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

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 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo ( XXXX ) regarding the change from suspended to active foreclosure status on my home. The mortgage had been in suspended foreclosure since XXXX of 2018. I was offered the opportunity to submit a request for what would be my sixth request for a loan modification over the last two years. I agreed and after transfers to the loss mitigation department, then to the escalation department I was advised that I was not considered for a modification because they had determined that I did not live in my home. No additional requests for information were made since the last review in XXXX of 2018 when I submitted a copy of my drivers license, insurance policy, utility bills, bank statements and personally met with an appraiser who came to inspect the property. I live in my home, this is my only residence. My case has been sent to the escalation department where it is currently being reviewed for modification eligibility. They again request proof of residency in the form of mail, which was forwarded two weeks ago. I have yet to receive a response which was promised on the XXXX day of XXXX. My foreclosure is set for XX/XX/XXXX. I would greatly appreciate assistance in determining exactly why my claims have been denied and finally be granted the consideration I deserve as a permanent resident in my home.

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 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Please see attached documents! PNC Bank is refusing to help with an unauthorized XXXX scam purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at  this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is  important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017

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 2020-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hillcrest Davidson & Associates
State: NY

Complaint narrative:
About at least two week ago, Hillcrest Davidson and Associates called me to inform me that they will take legal action if I do not respond in a timely matter. Afterwards, I contacted Hillcrest Davidson and Associates, and I was put in touch with a debt mediator. Her name is XXXX XXXX. Her number is ( XXXX ) XXXX ; ext. XXXX. Ms. XXXX told me that I have an outstanding balance of {$1600.00} dollars. She offered a settlement of {$500.00} dollars. I asked Ms. XXXX if I can send {$500.00} dollars in monthly installments. Ms. XXXX said that I could and asked me how much I can send. I told her that I can send her {$100.00} dollars a month. Ms. XXXX declined. Ms. XXXX want to settle the debt quickly, so Ms. XXXX offered {$250.00} dollars a month. I agreed. The problem is I'm currently unable to pay the first payment of {$250.00} a month because I don't have enough sufficient funds to pay the first payment of {$250.00}. I don't have enough sufficient funds because I was paying my household bills and other expenses to other debt collectors. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all  documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I logged into my account with Chase and noticed 3 unauthorized transactions : a charge for XXXX for an amount over {$400.00}, a charge from XXXX for an amount less than {$100.00}, and a charge for {$220.00} for XXXX. All charges were pending. My debit card was shut down and a new one mailed to me. Chase reversed the charges that day as a courtesy. 
I was notified via phone alert on XXXX that the charge for {$220.00} ( only charge that made it past pending ) was found to be valid or authorized. I called Chase on XXXX and was informed that the merchant provided enough proof to validate ( contract with tracking number, my phone number, my email address and my signature ). I was told the documents listed above would be mailed to me for follow up. 
As of today I have received no documentation and {$220.00} was removed from my checking account today.

Company response to consumer: Closed with explanation