vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 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: Source Receivables Management LLC
State: CA

Complaint narrative:
Source Receivables Mgt., account no.XXXX  has been placed on my XXXX file and my XXXX file and may appear shortly on my XXXX file.The collection account is for original creditor XXXX.This debt was previously owned by XXXX XXXX ( CFPB COMPLAINT # XXXX ), and after them by XXXX XXXX ( CFPB COMPLAINTS XXXX,XXXX,XXXX ). 
ALL COMPLAINTS DESCRIBED THE FRAUD OF THE ORIGINAL CREDITOR XXXX and all disputes ended in deletion for that fraud ( will attach my story with XXXX here ). 
In Addition it is commonly known that even today XXXX services do not function in XXXX XXXX for the lack of sufficient cell towers to provide adequate service. 
Some attorney could do well with a class action for selling phones and service that do not work.Call any Realtor in the 8 cities of XXXX XXXX to ask about cell service..not any of them will have XXXX because realtors can't put up with interference and dropped calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2018, I went to the Ally Bank web page and completed a Savings account application. It was said that I would receive an email to confirm my application was at least received, after all if one puts information like social security number and address as well as relatives names one should be assured. XXXX XXXX XXXX - Director eCommerce Care Contact would probably be surprised by this service example, I have 3 college degrees including a XXXX XXXX of XXXX, and have studied business and statistical analysis. Did the webmaster try to disprove or not let mine through to be processed. I am a minority and have served my country. I had to call the next morning XX/XX/2018, at about XXXX pacific time, were I was put on hold twice, because the person who answered said she at first had now knowledge of my application, even after getting my personal information I had to submit. By the way I am published so writing you and anyone else when inspired to for my well being, when prompted is no big deal. Finally, the person said they had to contact their said back office and said she found my Ally Savings application, over the phone said number XXXX. I asked for an email, since I had confirmed it and other information. The phone representative said it would not be available until after 48 hours, still no written assurance of the process proceeding so far. I have been recognized as a City of XXXX XXXX Commissioner where I had the local police investigated for destroying homeless minorities ID ans Social Security card. The DOJ was alerted since they were veterans, I received a report from internal affairs about this. I say this encase retaliation maybe part of this as a connection. I was seen as a here for bring the problem to attention. A city counsel member recommended my for two city commissions. The bottom line is this everyone got an email or notification it seems regularly for applying for an account. I should be treated the same for a chance to pursue happiness. I await my chance also. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. 
I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). 
I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. 
I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. 
I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. 
THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been trying to settle this account that I don't even own with portfolio recovery to no avail. Upon checking my reports today I realized that they are reporting as an open account with me having 2 late payments in XX/XX/2018 120 days late. I HAVE NEVER made payment arrangements of any sort with this company and I believe that would mean they are acting as a factoring company. This has to be some sort of violation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
RE : Bank of America Bank of America will not allow another bank to auto-debit my HSA account to fund an HSA with the other bank.

Their position is that I must fill out a form with them which will authorize them to charge the account {$25.00} By way of background this account was funded by my employer. I was laid off and the account laid dormant for 1.5 years. I was reminded that I had the account because BoA issued a new debit card for the account. I tried to log in online and found that I couldn't access the account because the only email address associated with it was my work email. Eventually I got BoA to associate my personal email address with the account and found out that since my termination they had changed a {$4.00} service charge every month. I complained because I had not been given notice of the charge. They did reverse it but I am now on notice. They are making it difficult to transfer ( even a portion of the funds ) f to another bank.

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 2018-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: NV

Complaint narrative:
I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. 

I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. 

Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I submitted a complaint to cfpb ( Complaint Number XXXX ) a couple months ago. It concerned Mr. Cooper increasing my mortgage payment from $ XXXX/month to $ XXXX/month. cfpb was able to correct this matter BUT Mr. Cooper only complied for the year ending XX/XX/XXXX. Mr. Cooper did not refund the excess escrow amount on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent Mr. Cooper ( AKA Nationstar ) a letter by certified mail # XXXX XXXX XXXX XXXX XXXX requesting that they re-evaluate my mortgage. They did not respond. 

A again I seek your help in having Mr. Cooper refund the excess escrow for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: BB&T CORPORATION
State: CO

Complaint narrative:
I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There was an unauthorized transaction on my account with Walmart. I have notified the company paid the portion of the bill I am responsible but Walmart is still reporting unauthorized transactions to Ctedit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony has been calling me a minimum of 4 times a day 7 days a week. Including the XX/XX/XXXX and every Sunday

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 2018-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. Portfolio Recovery is attempting to collect a debt that was already flagged by the original creditor as identity theft. Portfolio Recovery is attempting to collect a debt from XXXX XXXX that was not opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I wired {$3000.00} from XXXX  XXXX to bank of America. The wire was immediately returned due to an invalid account number. Here is the thing. They sent back only {$2900.00}. I am very upset. What gives them the right to do so. I entered under no agreement with them. Signed no contract yet it was reversed immediately probably electronically. And this justifies them to take my hard earned money. 

The fee, IMO, is arbitrary and not something I ever agreed to. To take their line of action to an extreme, what would stop them from keeping half of it, or all of it? I don't see what legal basis they have for keeping any of it. 

The fee is unreasonable considering they performed no service. Maybe, if they held the money and asked for account number clarification, given that they had the payee 's name, and could have seen the account number was off by one digit, I would have felt it more reasonable that they did diligence or provided some value. But {$45.00} just to reject it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a collection notice from Bank of America, stating I have a principal mortgage balance of {$150000.00} and the account is past due {$84000.00} and the property is in foreclosure process. The property this account is attached to was sold by XXXX XXXX County in a Tax Deed Sale on or about XX/XX/XXXX and all the proceeds from the sale of this property were held by the XXXX XXXX office. Since XX/XX/XXXX this same property has been bought and sold multiple times. 
I contacted Bank of America multiple times and advised them of this matter and they continue to be unresponsive and disregard all the documentation I've sent to them. 
I've disputed the fraudulent posting Bank of America has placed on my credit reports multiple times and the Credit Bureaus continue to state the Bank of America posting has been verified as accurate.

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