vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America called me at XXXX XXXX I do not have an account with them and pleas file the complaint against them also what else should I do? 
In the bottom is the picture of the time call and phone number

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 2018-09-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There is a charge on my XXXX secure card for XXXX although the company recognize I didnt sign up for over the limit they refuse to remove the transaction that I didnt make to begin with I have sent the company documents of that prove this is in fact a fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After our county being declared a natural disaster by XXXX and the president after hurricane Florence Capital one auto finance has refused to defer any payments for any length of time. They give you payment options and that is all. We can not agree to any of those options when we do not know when we are able to get back to work due to severe flooding around the whole entire county.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I have been paying the mortgage to the original lender for close to 20 years never had a late fee until XX/XX/2017, I immediately sent a payment with the penalty fee and they purposely refuse to Cash the check then I sent the next check it couldnt had been late and they claim it was, it seems to me they are trying to drive me into an unnecessary situation so they can profit from additional fees etc etc.

It seems to me they are trying to benefit from a sellers real estate market and drive me into foreclosure.

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 2018-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo bank ruined my credit by reporting non payments to their alleged mortgage which was nothing more than fraud by an unlawful loan modification. Wells Fargo made the reports of non payment willfully full well knowing their false reporting and claims to enforce a mortgage contract which on its face was fraud and of which they broke on their own accord to give the appearance of a legitimate foreclosure action at the XXXX XXXX Supreme Court before XXXX XXXX who presided over the loan modification case in XX/XX/2013. Their was no investigation into the legitimacy of Wells Fargo to pursue such action and today this dirty criminal bank continues to make false reporting to the credit agencies and interfere in the Trust commerce by attempting to pay property tax through bulk checks and insurance on the Trust 's property. XXXX XXXX 's Office was specifically instructed not to accept unauthorized payments of property tax. Wells Fargo continues to perpetrate acts in an attempt establish ownership of the Trusts property with XXXX XXXX. Because of the false reporting of default on a mortgage that they created unlawfully I have not been able to get credit or only subprime loan offers which this agency well knows are designed to fail anyway just like all the unlawful loan modifications. There have been numerous complaints I have furnished with this agency about Wells Fargo and will continue to as long as Wells continues to perpetrate unlawful acts and fraud.

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 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me. 

Thank you for help and assistance to secure and protect me as a consumer.

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 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent. 

First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
We closed on our home on XX/XX/2018. The SunTrust mortgage was paid off from the proceeds of sale. I have called the bank several times as the lien has not been released. This is affecting my ability to get another loan.

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 2018-09-20 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: BRite Financial Services, Inc.
State: WI

Complaint narrative:
THIS IS A NEW COMPLAINT NOT A DUPLICATE!!!!!!! 


Brite Financial reported fraudulent information to all three credit bureaus. Advised that I missed 3 payments in XX/XX/XXXX XX/XX/XXXX as of  XX/XX/18. Payment was made to Brite financial on XX/XX/2018. No further payments were due at this time. Copy of receipt shows payment made. 30 days BEFORE report made to credit bureau. 

Furthermore there is still no working phone number to reach ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This account was previously disputed and deleted. Waypoint Resource Group has re-reported it as a new debt without proper notification and has also re-aged this account which violates the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: MI

Complaint narrative:
Someone opened up ac account with XXXX in my name. This was fraud/ID theft. I saw a hard inquire pulled in my name in XX/XX/XXXX. I called XXXX immediately and told them to cancel the account, this was fraud. They replied that they would handle it and I put the issue to bed. In XX/XX/XXXX, XXXX reported to Transunion that I had an account past due of {$2200.00}. I contacted XXXX and Transunion. After many hours and repeating my issue, they took off the derogatory mark of the amount due of {$2200.00}, but the hard inquire is still on my 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 2018-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.

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 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried numberous of times to resolve this issue with capital one and late payment forgiveness. My grandfather XXXX XXXX  XX/XX/2017 and I had to do all XXXX arrangements alone and all expensive. As a single mother of my XXXX years old son that I still have to take care of. I called capital one and informed them of my issues to see if they can give me extension for this payment during my hard times, representative stated do not worry we will take care everything once your grandfather is XXXX XXXX XXXX They did not take care of the issue but instead reported me 30-60 days late. I been continuously paying my capital credit card on time still today. I been reaching explaining I only felt short one time and I be paying good before and after this issue. Can you please give me a me a chance since I been a loyal client and remove the late payment. Everyone decline. This issue is affecting me tremendously and I have a son. I can get a apartment and I need to move because its showing delinquent account. Everything revolves around credit and its affecting me. Please I need help and want this resolved. 2 bureaus have me reported late in XXXX and the other in XXXX so I know thats an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I had all my loans consolidated with the Department of Education many years ago. Everything has been just fine and I've been making monthly payments all this time. 

Two weeks ago I receive a call from a company called Radius Global Solutions ( formerly XXXX XXXX XXXX ) they said that I owe money to a school called XXXX XXXX XXXX. I told them I never attended a school by that name. She started to ask me personal information such as my social security number. I told her I didn't feel comfortable processing the call because I felt it was scam. I haven't been in school in over 12 years and there is no possible way I owe any school any money because everything is consolidated. She said it was a in-house loan with the school for {$1500.00}. I asked her why I am just now being contacted over 12 years later. She did not have an answer for me. 

Two weeks later I got a letter in the mail from Radius Global Solutions. They are offering me to pay {$1100.00} to completely close this loan for a lesser price. The fact that it took two weeks for the letter to come was fishy to me too. 

I looked into who the Creditor was XXXX XXXX XXXX. They own a lot of schools around the country. I attended a school called XXXX XXXX School in XX/XX/XXXX. I did not complete the course due to unsatisfaction with the school. Almost all of the students were unsatisfied and the school ended up closing just 9 months later. The building stayed abandoned for some years. Many years later a new school was put there called XXXX XXXX. XXXX XXXX is listed as one of the school 's on XXXX XXXX XXXX 's website. So I'm assuming this has something to do with XXXX XXXX School.

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 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Called me at XXXX on XX/XX/2018 Claiming that I owed {$110.00}. 
Is this " company '' a scam? 
I do not owe anything. I called the hospital, and my accounts are good. 

Offices in XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I received an email notification that my credit score had dropped. Upon checking, I saw that a collections account had been added from Online Information Services on behalf of XXXX XXXX. I immediately disputed the debt, and received the first letter in the mail notifying me of this debt, which is dated XX/XX/2018. I was never notified of this debt by this company, or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank has not fully resolved my dispute against XXXX XXXX XXXX. I disputed charge of {$1300.00} that was purchased on both of my capital one credit cards on XX/XX/2018. The card ending in XXXX was charged {$1000.00} and the card ending in XXXX was charged {$300.00} for a furniture warranty that I purchased at XXXX XXXX to cover any damages to the furniture etc. One of the dressers that I purchased has been falling apart as well as several of the other furniture items and I contacted the merchant and requested that it be fixed under the one-year manufacture warranty/ After going back with the merchant several times ; they were not willing to fix the damages so I contacted the XXXX XXXX to go over what the warranty policy was and if I can get the furniture items fixed since I purchased a 5 year extended warranty, but i was told my issue was not covered, so I Disputed the charge with capital. I provided them the receipts as well as the contract with the merchant and the warranty company I also forwarded emails of all the attempts that I made it to the merchant to resolve it prior to the dispute and also pictures of the damaged furniture. it has now been several weeks I have not heard back from the bank and these charges were put back on my credit card which I am now responsible for the interest rate and any fees applicable to these charges I am very unhappy with the way capital one bank has done With my dispute they have not been accommodating they have not been resourceful and they have not contacted me and made a true effort and resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
I checked my credit score and noticed activity on my credit report that I am not aware of. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Green Square Company LLC.
State: OH

Complaint narrative:
XX/XX/2018 - Left message on my cell phone and work phone stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

XX/XX/2018 - Left message on my cell phone at XXXX XXXX stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

Left the same message on my husband 's cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Investment Retrievers, Inc.
State: SC

Complaint narrative:
Investment Retrievers is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but Investment Retrievers continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

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 2018-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XXXX XXXX is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but XXXX XXXX continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.

Company response to consumer: Closed with explanation