vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a case of Identity theft and fraud. I have provided exhibits A thru C in addition to other documents that I still request a response to. The alleged Bank of America itemizes billing statement say XX/XX/XXXX filed. I never had a loan with anyone in XXXX. The second alleged Bank of America billing statement states XXXX. Again I never had a mortgage loan with anyone in XXXX. The Mortgage was alleged to be XX/XX/XXXX. A true itemize billing statement does not change the dates back and forth. Exhibit A is the deed of the home and the first mortgage loan I ever had dated XX/XX/XXXX Warranty Deed. Not XXXX or XXXX. Then I received a release of Mortgage XX/XX/XXXX. Which was the same loan received in XX/XX/XXXX. As well as a congratulations letter stating the loan was paid off by the first senior lien holder. There was a subordinate agreement between the other lenders. If the home was foreclosed on by an alleged junior lender the first mortgage would need to be paid off first. However the home did not sale prior to the release of mortgage. A borrower does not receive a release of mortgage following a foreclosure. Exhibit C show the loan trail activity from XX/XX/XXXX all the way to the release recorded in the county deed records on XX/XX/XXXX. It also shows that there is no record of Bank of America as a servicer recorded in the deed records at all. Nor was there a recorded Assignment showing Bank of America as a loan servicer on any account in the recorder of deeds. With the information i provided clearly shows me a true owner of the home. Bank of America is not the owner of the home. I would like to let my evidence do the talking. Requesting a response to my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/XXXX I went to evolve bank atm to withdraw {$820.00} dollars from the atm. The machine didnt give me my money but the funds were taken off of my card. That day I called US Bank ReliaCard who owns the card which my child support money goes to. I opened a dispute they said that I would get my money within 10 days so I waited and waited I called back and asked what the status of my claim was and they said that they closed out the dispute XX/XX/XXXX nothing was wrong. The next day I called evolve and asked them what was going on and they said on the XX/XX/XXXX they sent an email and my money to them letting them know the atm was over {$820.00}. So XX/XX/XXXX I opened another dispute and evolve sent another email saying they already sent my money to them and I need my funds. The manager said I can open as many disputes as I like and they all will be closed out they are very very rude. So Evolve and I three way called them and they would hang up on us every time we called. I know that they have my money and evolve is doing everything to help me out by tracking where my money went and this is my last chance to get my money before I have to get a lawyer involved.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The Bank placed a 7-day hold on my cashier 's check from XXXX XXXX in violation of Reg CC. This is abusive. The check was for {$8500.00} and there is more than enough money in my account there to cover it. Just another example of a bank abusing its customers

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scott Fetzer Financial Group Inc.
State: VA

Complaint narrative:
i purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX and i also contacted united consumer financial services company i talk to XXXX at XXXX and he told he needed a copy of my ss XXXX letter and a doctors note why i cant use the XXXX so i faxed it to him and he faxed it to XXXX   the girl called me and she said she would be here this past thursday and she never showed up to pick up the vacuum they only gave us 3 days to cancel the cancel date was XX/XX/19 and my first payment would be in XXXX i only used it twice i cant pick it up and move it room to room and i told XXXX when i called them and they were nasty about it XXXX called today on XX/XX/19 and asked me what was going on and i told them so i have to call XXXX  on monday to see what they are going to do when i called XXXX before the girl told me to sell it to someone and try to pay it off thats not what a business does so i need them to come get it and take it off my credit report and come pick it up they are being very nasty about it

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 non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, On XX/XX/2019, I made two separate in-store payments, from my personal XXXX Checking account, to the merchant Helzberg Diamonds that was to apply to my Helzberg Diamond Capital One issued credit card : Payment 1 ) In the amount of {$150.00} XXXX  # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Payment 2 ) In the amount of {$100.00} XXXX # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Both payments successfully posed to my XXXX checking account. My XXXX XXXX and statements can show verification of this. 

Payment ( 1 ) for {$150.00} XXXX # XXXX successfully posted to my XXXX  Checking account and towards my Helzberg Diamonds Capital One account. 

Payment ( 2 ) for {$100.00} XXXX  # XXXX also successfully posted to my XXXX   Checking account, however DID NOT post to my Helzberg Diamond Capital One account. 

I have tried to resolve this situation by numerous in-store visits, then phone calls and emails to both Helzberg Diamonds Capital One account with no resolution. There response has been, " Sales Audit can't find the transaction. Take it up with your bank ''. 

I have tried to resolve the issue with my XXXX XXXX. XXXX XXXX can not intervene because the charge for {$100.00} to be drafted from my account, the ACH was indeed truthful, however the issue is that Helzberg Diamonds Capital One NEVER posted the payment as they were supposed to towards my credit card account. 

I would like for the Consumer Financial Protection Bureau to get involved, because my bank can not assist me and the merchant Helzberg Diamond Capital One refuses to do anything for me and their customer service skills in the process has been subpar of incompetence. 

My bank if needed can indeed verify that the transaction has posted directly and/or with true and finalized bank statements, and I can also provide the Helzberg Diamond Capital One statements to show that the payment was never properly posted to may account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
us dept of ed 4 different accounts caused by the EQUIFAX breach sent the ftc 4 months ago sent the affidavit and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Merchant lied and said the merchandise was picked up by me and I never did the merchant never got CDL or signature on who picked it up. They only got initials for {$1500.00} worth of stereo equipment. I asked them to provide video to show me on who picked it up and they refused. I explained to them I never received anything and it was not right for them to release the {$1500.00} worth of merchandise without proper identification. I have disputed this many times to the finance company also filed a complaint with the XXXX XXXX XXXX but they always sided with the merchant.

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 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
MY MORTGAGE CHECK HAS BEEN STOLEN BY ONE OF LOANCARES EMPLOYEES -- >ACCOUNT OF ATTEMPTED IDENTITY THEFT BY A LOANCARE EMPLOYEE -- < XXXX XXXX Acct # xxxxxxx LoanCare Mortgage Acct # xxxxxxxxx SS : xxxxxXXXX INCIDENT DESCRIPTION ; My bank -- -- issued an automatic payment check payable ( mailed ) to LoanCare , LLC ( copy attached ) in the amount of my XXXX amount due ( {$1900.00} ). The check was stamped Received XX/XX/2019. Yesterday, I received a hand-written letter from a XXXX XXXX ( XXXX ) of XXXX XXXX XXXX, XXXX, NJ XXXX. ( Relevant documents attached. ) The letter to me claimed : 1.  LoanCare LLC had written her a letter enclosing a copy of the above check ( my mortgage amount ), with the Credit to the account number ( old XXXX mortgage account number ) typed above Pay to the order of LoanCare , LLC ; 2. She said that LoanCare LLC alleged in that letter that the amount of the check had been erroneously deposited towards her mortgage which was sold over a year ago ; 3.  Because her account had a XXXX balance, LoanCare was returning the check to her ; 4. Along with my NEW LoanCare account number!!! And 5. She was being extremely conscientious about writing me about this mix up so that this mix up on their part does not cause you any added grief or stress ; and 6. She enclosed the To whom it may concern, memo she says she sent to LoanCare LLC notifying you that ( a ) Mr. -- -- -- had accidentally put the wrong loan number on the check ( a type-in number by my bank is no accident ), and ( b ) And, The representative at LoanCare LLC also asked me to include Mr. -- -- - 's loan # xxxxxx ( WHY? ) Question : Where is the physical check made out to LoanCare LLC??? 
Another question : What would be the reason for LoanCare LLC to send my check to her? 
Further : ESPECIALLY WITHOUT CASHING IT, since they evidently KNEW the new LoanCare #? 
Further : My bank noted that LoanCare had cashed my XXXX check by looking up that #!!! 
This is a ( pathetic ) attempt to steal my identity and bank information. 
I have closed the account the mortgage payment was drawn on, opened a new account, and paid my mortgage on the phone today. ( I need to get a refund for the {$15.00} phone payment fee. ) I have notified the police in XXXX, CT, of this attempted identity theft. 
LoanCare LLC needs to launch an immediate investigation of its payment processing personnel!!

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CERTAINTY HOME LOANS LLC
State: NC

Complaint narrative:
In XX/XX/2019 I made a mortgage payment to Certainty Home Loans. I did not realize that XXXX XXXX XXXX was the new servicer. Certainty Home Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on XXXX XXXX  assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.

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 2019-09-21 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My original student loans were with a company named XXXX. Navient purchased these debts from XXXX. I do not know what my balances were at that time. I did receive a letter in the mail at that time stating that Navient was to be my new creditor. 

I have never taken out a loan with Navient. I have never had any dealings with Navient, though i do acknowledge that they hold my original debts that i had with XXXX. I believe my original loans were cumulatively around the amount of $ XXXX. 

Every month for as far as i can look back and see, Navient has reported that i have increased and decreased the amounts of my loans. They are doing this in such a way that they maintain that the balances on my loans are atleast {$2500.00} more than is accurate and honest. This is fraud and they are knowingly doing it. Navient reports that i increase my balance by over {$2500.00} every month, and then on the last day of the month they claim that i pay the loans down by {$2500.00} ish, and ON THAT SAME DAY, they claim i increase my loans again by the same amount. due to this method of fraudulent activity, if i were to call and ask for a payoff amount on my loans right now, they would tell me that my loans are actually $ XXXX more than is accurate. 

This effects me in a negative manner in a couple of ways. first, it keeps my debts looking higher than they should be on my credit report. This was the dead give away to me that something wasnt right. This is why i looked into the matter and found out exactly what they are doing. secondly, this effects the amount of interest they are tacking onto my loans while my loans are sitting in deferment. With the balances looking much higher than they actually are- Navient charges an interest rate monthly on that higher fraudulent amount ( rather than a lower honest amount ). Because of this, every month, i have higher than honest amounts of interest tacked onto the over all balance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 I called Capital One ( GM Credit Card ) to inquire about a billing statement but my call was shifted to the fraud section instead because of suspected fraudulent activity. I provided all required info ( DOB, phone number, and last four digits of my SSN ) as in numerous prior occasions when contacting Capital One, but their representatives would not provide me with any information because I could not provide the SSN of the primary card holder. I indicated that the primary holder was in another city, that she was XXXX years old, spoke limited English, was ill, and I was an authorized user of the card with my own separate card number. I was very concerned regarding their belief that there was a possibility of fraudulent use and inquired what steps they were taking to address it, but since I wasn't the primary holder they refused to give me any information. When I pressed her on their policy regarding fraudulent use, it was apparent she was ignorant of the policy and suggested the primary holder notify Capital One. I asked to speak with her superior, but she indicated her superior did not and would not respond to customer inquiries.Why does Capital One suspect fraud, and what steps are they taking to address it and protect the cardholder ( s )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: Midwest Recovery Systems
State: OH

Complaint narrative:
I just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies
State: ID

Complaint narrative:
On XX/XX/19 at approximately XXXX XXXX XXXX XXXX XXXX of XXXX pulled my credit ( hard  inquiry ) without my consent. I was there to look at a new vehicle and told the salesman XXXX XXXX " Do not pull my credit ''. His manager pulled it anyways without me signing the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Hello Staff. 
On : XX/XX/2019, ORG BILLING ( XXXX ) ( app : XXXX ) Ref. # XXXX Paid in full : {$550.00} Bal. : XXXX I was told to complete the process using the XXXX. I wasn't mail or contacted for me receipt of transaction showing processed and complete. 

I went into store location only to be told to follow up with these people. Well they headed up process number two. Text me a paid in full letter, only to find out that it hold no value unless process completed through corporate. Who is corporate at this point I said. No one seem to know how to assist me with the closing is f this matter in full with these folks below : XXXX XXXX XXXX XXXX. 
Doc ID : XXXX Acct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation
State: FL

Complaint narrative:
Good afternoon my name is XXXX XXXX, my claim is against the performant company because they report my credit card and put it into a debt collection and take it to a criminal account for an amount of {$250.00} which does not explain where that charge comes from. And not only that, but also affected my credit score with the buroe credit and already pay off the amount of {$250.00} and is still reflected in my credit card as a debt colletion and they did not remove it. Please, I need an answer or a solve of the problem with my credit card.

Company response to consumer: Closed with explanation