vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
On ( XX/XX/2018 ) I get back a response requesting an " Affidavit of Fraud Letter '' that it to be filled out, notarized and sent back to them. The Federal Law says, " the burden of proof '' is on " Security Credit Services ''. It's been more than ( 30 ) days. 

Security Credit Services # XXXX XXXX XXXX XXXX, XXXX , MS. XXXX XXXX File : # XXXX Account : Original Creditor XXXX XXXX ( Rental/Leasing ) Please send me all the information of this alleged debt as to, 1. When did this ( alleged ) debt occur? 
2. What was purchased ( s )?

As required by Federal Law, Fair Credit Reporting Act, the following requirement of the credit bureau, 15 U.S. Code, Section 1681i - Procedure in case of disputed accuracy, said ( adverse account ) is extremely injurious to my credit report, please delete this item off my credit ( XXXX, XXXX and XXXX  ) reports ASAP. 

DO NOT DISREGARD THIS LETTER! 

If you are planning to continue to press this alleged debt ( if not ) rebutted within ( 30 ) thirty days by written response following your receipt of this letter, I will presume your alleged debt to be incorrect and will enforce my Rights against any government agency or person who would violate ( i.e., seizure, levy, lien, etc. ) my Rights willfully or out of ignorance of the Law. 

Failure to verify on my written request will constitute an unfair or deceptive trade practice subjecting your agency to civil damages of up to {$1000.00} and attorney fees, and/or Federal Trade Commission action for penalties of up to {$10000.00} per violation per day. 

I have examined the statement of fact presented in this letter to the best of my knowledge and belief, is true, correct and complete. A denial of Due Process will be deemed an act of conspiracy and conversion. Please forward me a copy my updated credit report. 

Sincerely, ________________________________ XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, MD XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: EdFinancial Services
State: TN

Complaint narrative:
Ed Financial is currently servicing my student loan. I've made timely payments for over 10 years and my balance is still increasing. I do not understand why every payment I've made for 10+ years has applied only to interest. I asked Ed Financial for an explanation via a qualified written request and they sent me a payment history. In no way does that explain the lack of posting any payment to principal. When I asked for a verbal explanation, the representative informed me it was completely based on my payment practices. Every payment on my loan has been made timely. I do not understand how paying from the 1-7th of each month can affect my principal allocation. I am never going to pay this loan off if Ed Financial continues to raise my principal balance. I've paid almost XXXX towards these loans in the last 10 years with no crediting to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In late XXXX I received Nationstar/Mr. Cooper XXXX Statement for {$1100.00} & balance of {$97000.00} XX/XX/2018, mailed XXXX Check # XXXX, {$97000.00} to Nationstar/Mr. Cooper XX/XX/2018 Nationstar/Mr. Cooper deposited check in XXXX XXXX Account # XXXX XXXX payment of {$1100.00} was due by XX/XX/2018 XX/XX/2018 Nationstar/Mr. Cooper reported my account delinquent to XXXX, XXXX  and XXXX  Credit Reporting Agencies while in possession of {$97000.00}, labeled my Nationstar/Mr. Cooper Account Delinquent and charged a late fee of {$56.00}. 

It took 35 days for Nationstar/Mr. Cooper to refund my {$97000.00}, with additional interest charge of {$8.00} per day, an additional 7-day hold placed on Nationstar/Mr. Coopers check by XXXX before I could access the {$97000.00} and re-start the process. This took a total of 45 days. 


TIMELINE BREAKDOWN OF THE {$97000.00} XX/XX/18 Friday : Nationstar Deposits Funds XX/XX/18 Thursday : Nationstar Returns Funds to me ( via XXXX ) XX/XX/18 Saturday : I Deposit Funds, but they are held until XX/XX/18 XX/XX/18 Friday : Total Funds Available XX/XX/18 Friday : Nationstar Receives {$98000.00} The Payoff Amount for XX/XX/2018 was {$98000.00}. 
The Payoff Amount for XX/XX/2018 was {$98000.00} This 42 day time frame of my {$97000.00} being unavailable increased my interest charge by {$250.00}. 

XX/XX/18 Payoff {$98000.00} XX/XX/18 Payoff {$98000.00} = {$250.00} Attachment 1 Nationstar/Mr. Cooper XXXX Payment Statement Attachment 2 Cancelled XXXX Check XXXX Attachment 3 Nationstar/Mr. Cooper Payment Activity Please view the two Posted Payments date XX/XX/18 Attachment 4 Merged Credit Report Attachment 5 Nationstar/Mr. Cooper Loan History Please view Transactions XXXX XXXX Attachment 6 XXXX Deposit Slip

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal 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 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, Portfolio Recovery, as well as the credit reporting agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, XXXX XXXX, as well as the credit reporting agencies with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Effectively Citi had done a 'hard hit ' on my credit report without providing a card in a timely manner. They will not cancel the card and remove the 'hard hit ' so that I can get a new card elsewhere without adversely affecting my credit score. Was provided incorrect information by multiple agents and wasted hours of time. 

# # XXXX : Applied for a pre-screened offer ( Citi Premier Mastercard ),  approved and got an e-mail saying I should get it within 7-10 business days. Haven't received this as of XX/XX/XXXX. ( attached ) # # XX/XX/XXXX : ( After 12 business days ). Had received all the paperwork except the card. Called and after lot of back and forth the rep says the 10 days start from XX/XX/XXXX and wanted to wail till XXXX. Didn't issue a new card after the 10 business days deadline. 

# # XX/XX/XXXX : Got the first statement running from XXXX with XXXX balance ( start date pushed to XX/XX/XXXX - attached ). Called again and the rep concluded that the card was lost in mail. And told that a new card will be sent by XXXX overnight and I should get it by XX/XX/XXXX if not XX/XX/XXXX. After that got an e-mail with a tracking link that does not work. ( attached ) # # XX/XX/XXXX : Haven't received the new card. Called and was told that the card was sent by XXXX on XX/XX/XXXX will get by XXXX the latest. Asked if I can cancel the card and get the 'credit record ' removed, but was told no. Also got a letter in main asking me to contact back if I do not receive the card by XXXX. ( attached ) # # XX/XX/XXXX : Called back again and after transferring many times I am told that the new card was sent by regular mail and will need 7-10 business days from XXXX. Also I am told they will not cancel the card and remove the credit hit. 

# # Given that I received multiple other mail from Citi during this time and was provided multiple false information, I am suspecting that this is a tactic to make it hard for customers to meet the promotional offer related spending targets within first 3 months.

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 2018-12-30 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: MD

Complaint narrative:
On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified reported me for a debt that is not mine and reported me at an address that is not mine. They refuse to remove it. I only found out about this because my credit score went from XXXX to XXXX. The fraud account is for {$320.00}. They are willing to cost me money over their fraud because now my score is low. I was never contacted in anyway about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/18, I was asked to transfer {$200.00} using XXXX in order to buy tickets from someone on XXXX. I bank with US Bank and he claims to bank with XXXX XXXX XXXX. The money transferred immediately, and he claimed it didnt work, despite it having cleared from my account. He has since disappeared, and XXXX has no fraud protection - US Bank claims to have none with XXXX either. There is no way to cancel the transaction or even file a complaint against him.

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 2018-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have a GM FINACIAL ACCOUNT, the loan for XXXX XXXX XXXX, XXXX NUMBER XXXX, the ACCOUNT NUMBER IS XXXX, I did open this account and I paid in in full, but GM FINANCIAL reported me to XXXX credit bureau that on XX/XX/XXXX, I had one late payment, which I always pay on time, plus they had the improper address to send me the bill, and second they had my wrong account number, this company never send me any documents to tell me that I was late, the phone number for GM FINANCIAL IS XXXX ( XXXX ) XXXX.please contact GM FINANCIAL and have them correct the mistake that I was never late, Please contact me if you have any questions at my cellular number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: ME

Complaint narrative:
Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I got a loan through Wells Fargo and eventually lead to a repossession. The reported payments late and said that they would work with me but came and repossessed it instead. I have asked for an itemized statement and have never received one. I also know that they sold the vehicle for around 4800 est. at auction and only reported XXXX XXXX. The company destroyed my credit and I saved my receipts and wont send me an itemized statement so I can cross reference. I also did the math and Ive already paid over 14k and they are trying to say i owe. Them around 6k still. Ive called and been hung up on and laughed at. They already have the vehicle I made payments in for over three years and I have nothing to show for it. I am XXXX and need assistance attaching documents.

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 2018-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is the third card XXXX has tried to open in my name. I have filed complaints for their attempt to open a XXXX XXXX and a XXXX  XXXX in my name. Each complaint asked XXXX NOT to attempt to open any card, account or financial service in my name. It's obvious they are ignoring these complaints. See the attached scan ( XXXX XXXX - XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX  has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX  not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft

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 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I transferred money {$100.00} through XXXX via my bank Wells Fargo to someone who was supposed to give me tickets, they scammed me and went silent right after I sent the money. I called Wells Fargo, and they said they could not do anything to help me. There is nothing safe about XXXX, and if it is backed by your personal Bank they should be able to stop fraudulent payments especially if they have access to the other users bank information, I called Wells Fargo 5 minutes after I realized what happened. 

XX/XX/XXXX is the date of the incident Confirmation # XXXX {$100.00} in payment is what was fraudulent I called Wells Fargo to ask for help, they said they could do nothing.

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 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is what happened with me. 

- Posted an advertisement to sell my car as I am leaving country on XX/XX/2019 and found a tentative buyer ( Scammer ) who says he works for XXXX XXXX XXXX in XXXX, XXXX and is being transferred to XXXX, Ohio, US and would like to purchase my car as soon as he arrives. Also provided XXXX XXXX XXXX ID. 
- Promised me to send a check of {$1000.00} as deposit via his company as part of his relocation, so I dont sell the car to anyone. 
- Sent me a check of {$4000.00} instead of {$1000.00} and claims there was a communication error with this company and they have sent all the relocation amount to me and asked me to refund back the overage of {$3000.00} so he can book his flight tickets to US. 
- First I made sure I deposited the check on XXXX XXXX and funds were shown available on XX/XX/XXXX in my account which is when I initiated the process of refunding the overage amount of {$3000.00} through XXXX services of bank. 
- {$3000.00} sent to scammer and now I see the {$4000.00} check is being returned, which puts me at a loss of {$3000.00}. 

My concern is, as a general public who do not know the in-depth of banking process when I see the amount available in the bank it confirms me that the check has been cleared. 
Only then I felt that the check was cleared and I initiated the transfer of refund to scammer. After 2-3 days now I see the check is returned. I am sad because when something like this happens my bank did not communicate with me immediately via. email or phone when they realized the check has returned. If any immediate alert was given to me I might have been able to save atleast some money. 

Currently I have filed a police report and placed a dispute with my bank. There is a very thin hope that I might get my money back.

Company response to consumer: Closed with explanation