vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: IN

Complaint narrative:
I CONTACTED CAPITAL STARTED IN XXXX THEY HAVE TOLD ME THAT I WILL BE GETTING A CREDIT INCREASE AND THE END OF BILLING CYCLE WICH IS XXXX CALLED CAPITAL ONE SEVERAL TIMES OF THIS MATTER KEEP GETTING THE RUN AROUND ABOUT THE CREDIT INCREASE HAVE PAYED MY BILL ON TIME FOR CONSECETIVE 7 PAYMENTS AND EVERY TIME I TALK TO A CUSTOMER SERVICE AND MANAGER I GET THE RUN AROUND SAYING I WOULD GET THE CREDIT INCREASE IN XXXX BY MIDNIGHT ON XX/XX/XXXX CALLED THIS MORNING, NOW ITS A DIFFERENT STORY I NEED THIS MATTER FIXED PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I was notified in late XXXX for the first time that my loan servicing was transferred from XXXX to XXXX XXXX back in XXXX. I did not ask for my loan to be transferred, nor was I notified in advance of the transfer, nor did I approve the transfer. 

I keep receiving notifications from XXXX XXXX that I missed student loan payments. In fact, I have not missed a single payment at any point in my student loan. I made payments on XX/XX/XXXX and XX/XX/XXXX to XXXX and they were paid as always prior to the actual due date, and both payments were made before I was notified of the loan servicing transfer. 

I called XXXX upon receipt of the missed payment notice in late XXXX and was told that XXXX would be transferring my payments to XXXX so to just wait for it to process. I received a letter in XXXX from XXXX dated back to XX/XX/XXXX that my payments had been transferred to the new servicer XXXX. 

I continue to receive harassing letters from XXXX saying they are going to report my missed payments on my credit report. 

XXXX and XXXX need to coordinate between each other to transfer payments. 

I mailed proof of payment to XXXX and XXXX on XX/XX/XXXX, for payments made XX/XX/XXXX and XX/XX/XXXX to XXXX, and XX/XX/XXXX to XXXX. 

XXXX needs to ensure that there are no negative marks on my credit, as this is not my error. XXXX needs to cease in sending me harassing and threatening communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX XXXX has lowered my credit amount based on information obtained through XXXX. 

Barclay/Mastercard has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.

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 2018-10-23 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2017 there was a hard inquiry made by XXXX XXXX  without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Re : Professional Adjmnt Co acct # XXXX, # XXXX, # XXXX, and # XXXX Dear XXXX XXXX XXXX, I have never received any written correspondence from this company. Professional Adjmt Co reinserted a collection ( s ) to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s )  that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. Failure to comply shall led to legal actions with Professional Adjmnt Co if this debt isn't removed. All the appropriate paperwork was notarized then froward to your company from the following credit bureaus XXXX, XXXX, and XXXX. Lastly, I am not responsible for the outstanding of these debts due to be incarcerated as well. Please take all documentation into consideration and delete these accounts. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc.
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX  Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX  Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Citimortgage changed our loan where we were no longer able to make our payment through automatic withdrawal. They also discontinued our ability to sign into our account on line. I was passed around to different customer service individuals over the last two months. They promised they would send me a form that would allow them to make a automatic withdrawal, but I did not receive them. They said they would be unable to email them, but they could fax or mail it. Today ( XXXX-18 ), I spoke with a customer service rep in XXXX. He said it would be up to 72 hours before a supervisor could get back to me. Also, he will send me an encrypted email with the auto withdrawal form, but that could take up to 7 days. He will also attempt to mail it again. 

Our last two payments have been past due as a result of Citimortgages changes and their inability to resolve a problem they created.

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 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: VA

Complaint narrative:
I do not know who this is or what debt this is. Today they called my mother, who I have not lived with or near in 31 years. There message stated that he was XXXX XXXX with XXXX, XXXX. Claimed he left a message with the superintendent of the city XXXX  ( I'm a XXXX ). Claimed he had sent a registered letter, but it came back. I never received anything. I do not know who this is or what debt it is supposed to be. 
He left personal information with my mother and possibly my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In late XX/XX/XXXX/early XX/XX/XXXX I applied for a Kohl 's charge card, I got approved for a {$300.00} dollar credit line. I used it the same day online, and paid it off shortly after. When I paid it off I had noticed that I

actually had never recieved my card in the mail. I called to inquire about the card, and to make the payment. The guy told me that it takes 4-6 weeks for the card to get there, and that it should be in my mail in a few days. 2 weeks later it is still not here. I called to find out and the lady woudl not stop telling me that they can not access my account right now, I had to tell her to stop talking as she was talkign over me repeating the same script time and time again. I told her that I need to close my account, a nd she told me that they were inable to do that. This credit card has been awful! I got dinged on my credit report when I opened it, I have yet to receive it, and now I am goign to get dinged for closing it. I want this credit card wiped from my credit history, as it is clear that even though I have made good faith online buys, and paid my bill in full and on time, this company does not want to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is offering a {$100.00} bonus when you open a new eligible checking account and complete the following requirements : Receive two qualifying direct deposits of at least {$250.00} each within 90 days Opened eligible checking account online via proper website links on XX/XX/2018 Account approved same day, accessed, setup and provided all requested information and obtained access to account via online banking service login. 
Began to setup direct deposit with employer the next day XX/XX/2018. 
Opening deposit of amount of XXXX from provided account of another bank was transferred and completed to Bank of America on XX/XX/2018. 
Received Debit card and deposit checks in postal mail on XX/XX/2018. 
After holding my funds for almost a week, received email subjected " Action Required : Unable to complete opening Deposit as requested '' on XX/XX/2018, and on same date, transferred funds were pending to be sent back to funding bank originally sent from. 
Trying to log into account via website service after told to do so from email returned messages of no such account, no profit existing of my info. 
Call Bank of America for answers XX/XX/2018. 
Bank of America Representative gives notice that because my account was considered fraudulent, I had to instead go to a branch and provide two forms of ID, my government issued ID and they wanted my social security number card to be present, meanwhile I had already had my account approved and open for a weeks time. 
Bank of America provided no communication about the seriousness of the situation and instead allowed a simple message of failure to fund account ( which was not valid a week ago ) and allow a customer to mistakenly move their pay check into a bank that has decided on their own accord to not do business without changing the agreements presented and agreed upon prior to their own changed decisions. No good faith made in communication whatsoever.

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 2018-10-23 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: ERC
State: UT

Complaint narrative:
ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
As far back as XXXX I was the victim of scammers on line. But in XX/XX/XXXX I found out that I had been the victim of Identity theft as well. 

I immediately contacted Bank of America ( I called and talked to a woman named XXXX ) and was told that I should contact the Federal Trade Commission, which I did. I filed a report with the FTC and mailed the letters they provided to all 3 of the major credit reporting agencies and Bank of America. I  also put a 90 credit block on my social security number and name since all of my personal information had been compromised by the scammers. I waited to hear back from Bank of America and the credit reporting agencies but didn't receive any responses until XX/XX/XXXX. 

I received a summons to two different court cases, even though both credit cards that had been compromised were with the same bank. I am being sued, by Bank of America, in Civil Court and I guess small claims court for all of the amounts on my credit cards, despite the fact that I disputed the portions that I believe the scammers and the identity theft were responsible for and can not afford legal representation due to being a XXXX veteran on limited income. I receive XXXX and a small stipend from the Veterans Administration as income. 

At almost the exact same time my son, who lives with me, was involved in a near fatal car accident by falling asleep while driving home from college ( he had earned his tuition through the XXXX  program to attend XXXX  University ) but when I tried to explain to Bank of America that I would be unable to pay even my portion of the bills I had legitimately accrued they never responded to my hand written letters and the only response I have ever received was the summons.

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 2018-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Not Authorized 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 3. XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Not Authorized 4. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Not Authorized 6. XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not Authorized 7. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Not Authorized 8. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Not Authorized 9. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Not Authorized

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA has an issue with their Auto Bill pay system 's statement balance option. It currently does not accurately charge based on the balance when there is a fraud dispute that goes in or out. This error has resulted in over {$120.00} in fees to me in the last 10 months. Additionally the statement delivered each month incorrectly calculates the " 2018 Total interest charged in 2018 '', if correct I would have caught this error months before now.

USAA response has been that, while the Auto Bill pay system has a full balance option, it is the customers responsibility to verify the amount each month. They declined to comment on the incorrect totaling per the statement.

I disagree with this assessment, when a customer selects " Statement Balance '' the expectation is that the entire statement balance should be paid, regardless of end of month calculation for fraud payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
it's the same unscrupulous debt collectors based in Georgia, Critical Resolution Mediation. I'm receiving threatening phone calls about a debt I don't owe. They always use the same fake name XXXX XXXX to identify themself. I do not owe the debt they are trying to collect. I have told them so repeatedly, I have requested they send documentation to support I owe this debt by mail and nothing. I want this harassment to stop immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: OH

Complaint narrative:
I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file XXXX XXXX # XXXX, EXPERIAN Report number XXXX, XXXX  XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.

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